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• gnmmart

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• Forensic Loan Audits Save Home Forensic Loan Audits Save Homes

  • From: Anthony_Hayes
  • Description:

    Are you still wondering if you should trust the bank’s promise to give you that loan mod?  Are you still trying to decide if it is time you got a forensic loan audit?  No matter what, the facts speak for themselves.  What are the facts of your loan?  How can those facts help save your home? 

     

    Despite government intervention, people continue to churn and burn while desperately hoping for a Loan Mod, while thousands report abusive, deceiving, unfair and inept practices in the Loan Mod Departments.  Foreclosure statistics are still on the rise -- they are moving along seamlessly, however, those departments are adequately staffed.
    
    Lenders, bankers, news media – and even government officials warn you away from seeking professional services to help you save your financial life and your home. . .   Why?

     

    The clue lies here in a video recently released on the web – you probably saw it.  In summary, it states that IndyMac makes more money foreclosing, short selling, and collecting from the FDIC than they do modifying loans.

     

    Some allege that the deal has been made with other banks who bought out failing loans, such as Bank of America, Chase, and Wells Fargo too.  As news of the Goldman Sachs Investigation hits the papers (banks put people into failing loans purposely so they could clean up on the stock market when they failed).  Bankers scammed homeowners.

    
    Tila Solutions personnel hear from homeowners daily how they are being forced into foreclosure or short sale by their banks.  This strongly suggests that the findings in this video may have merit.
     
    The money is in foreclosure and short sales. Loan Mods are not profitable and the professionals that could and do help are often maligned. (Companies like Tila Solutions are cutting into the bank profits when they save homes).  It makes sense really because bankers are not in the business of helping people, they in the business of money-making.

     

    Tila Solutions is in the business of providing forensic loan audits, and helping homeowners save their homes. That’s got to wreck those bank profits in the foreclosure and short sale departments!
     
    But, how did we end up as a nation in foreclosure?  Who did it?  More importantly, who scammed you originally, and who is still scamming you now?  Read on.
     

    It started in the late 90’s:  a 1999 Orlando Sentinel article states, - In a move that could provide stronger consumer protections for more than 1 million new home buyers a year, the federal government plans to take a novel, get-tough approach with lenders: It's going to hold thousands of banks and mortgage companies directly responsible for the number of home buyers they finance who fall into default or foreclosure within the first 24 months after loan closing. (gotta wonder what the heck happened, don’t you?)
    
    Over the past decade estimates are as high as 80% of the loans issued by banks contain federal violations and are predatory loans.  Now there’s a huge contributing factor to escalating foreclosures and bankruptcies over the past five years!  (Tila Solutions has still not investigated a loan that did not contain numerous violations!)

     

    And how many banks issued predatory loans that they then collected that federal mortgage insurance on after they foreclosed on the homeowner (and so often the homeowner didn’t know he had been foreclosed upon – he thought he was getting a loan mod). Tila hears from and helps these homeowners every day.
     

    How about WaMu – once touted as the nation’s largest bank (they’re out of business now)

    Seattle Times reported in October of 2009, that the fallout from the 'biggest banking collapse in U.S. history shows no sign of ending soon.”  What fallout?  It’s all those lawsuits and federal investigations alleging securities fraud “whether fraud played a role in WaMu’s collapse,” and bankruptcy. 

     

    Of course, WaMu was shut down by the FDIC, and Chase was forced to buy their failing loans. Of course, Tila Solutions gets hundreds of calls from homeowners, desperate to stop Chase from foreclosing on their WaMu loans – you know those loans they produced that now has them being investigated for fraud and securities violations (back to issuing loans designed to fail for the benefit of the stock market, are we?)
    
    Today, Chase is servicing all those loans.  Still burning and churning in Chase’s Loan Mod Department – listening to their recording which says, “we will modify your loan for free” while hoping to hear from a customer service rep that you don’t have to fax your tax return for the 20^th time, or fearing that you will hear that since you didn’t, you will now be foreclosed upon.

     

    Or are you one of the more recent statistics – a person who thought they were getting a loan mod (for free) even made all your trial mod payments, and then received your auction date in the mail? They may claim to modify your loan for free – but rest assured they charged YOU several thousand dollars to foreclose on you. 

     

    Why on earth wouldn’t you get Tila Solutions to investigate and negotiate for you? The bank hired a professional to foreclose on you.  

     

     Many homeowners still, to this day, appear to put their faith in the banks – but would they have if our government’s efforts to stop the bank scams had made a much bigger media splash?

    Summing things up then: 

    Can we be so bold as to assume that under the pretense of “working” to modify loans, they are taking homes in record numbers?  Tila sees the rising foreclosure statistics as a strong indication that this is the case.

    Why is there no steady onslaught of media reports on this? How is bilking homeowners out of thousands of dollars in trial mod payments before their homes are foreclosed upon not a scam?  Tila Solutions helps homeowners stop these actions daily.
     
    In an article in the March 4th 2010, Orlando Sentinel, we see that Bank of America carries the lowest scores for loan mods:  “The lender, one of the nation's biggest banks, holds more than a million mortgages that are months behind on their payments — twice as many defaulting home loans as any other lender in the country. But it has given permanent mortgage modifications to only about 1 percent of those borrowers — one of the lowest rates among lenders nationally.”
    
    Unless the home owner stops “listening to what the banks say” and starts reading the lawsuits the banks are passing out like lollipops when you make a deposit, the foreclosures are going to just keep on multiplying.  It is time to stop thinking the bank is going to help you.  It is time to start helping yourself.

    Investigations have resulted in fraud and federal violations being found and addressed – albeit not adequately by our government, but even they cannot ignore them. Thus, one can surmise that when federal violations and fraud are found doors have opened – at any level. 

    Tila Solutions finds these violations, and doors open – no matter how the lenders may wish to deny it.  TILA, RESPA, HOEPA, ECOA and Fraud violations when found in a loan open doors and save homes.
     
    Do yourself a favor and contact Tila Solutions. Take matters into your own hands.  Just remember this:  The bank wants your money and your home.  Get a Forensic Loan Audit and let the people at Tila negotiate new terms for you with the bank.   

    Tila Solutions can be contacted at 1 307 459--0232.  You can find out more about Tila and Forensic Loan Reviews at http://www.tilasolutions.com

     

     

     

    Tags: Tila Solutions, Tila, Tila-now, Loan Mod, Loan Modification, Forensic Loan Audit, Loan forensics, Foreclosure, stop foreclosure, scam, predatory loans

     

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  • 2 days ago
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• Statistics Reveal at Least Hal Statistics Reveal at Least Half the Foreclosures are Cured-Foreclosure Profitable to Banks

  • From: Harlan_Gray
  • Description:

    In most states, foreclosure is initiated after three payments have been missed.  In most states, the beginning of foreclosure is a document known as the notice of default.  It will be mailed to the property address, and often nailed to the door of the property as well.  In some states foreclosure is judicial – meaning the process has to go through the courts, in other states foreclosure is non-judicial and can be done through a trustee, such as a title company or a foreclosure specialist company.  Then there are some states that allow for either method. 

    Traditionally, the foreclosure process has taken approximately 90 days to complete, and it is completed by the bank auctioning off the home, usually at the county courthouse or curing the default.  If nobody buys the home, the lender will buy the home back and then place it with a real estate agent to be sold.  Sometimes homeowners think that if nobody bought the property, then it didn’t get sold and it is still theirs.  This is not the case in at least 95% of the auctions.  Once the lender buys it, the home is his and the homeowner will have to vacate the property, normally within 30 days. 

    Today, homeowners have opportunities available to them to stop the bank’s attempts to foreclose on him or her before the home is auctioned off.  Tila Solutions is able to help homeowners who contact them before the home is auctioned off.

    It is important to know that the homeowner does not have to leave his home at the beginning of the foreclosure process.  And the homeowner still has time to stop foreclosure and save his home. But, also understand that the lender will not accept any payments from him except for the full default amount.  The default amount is the total amount of missed payments, plus all fees.

    Traditionally, paying the full default amount, which always includes fees and penalties and other “additional costs” – often marked up to create more profit for the lender, is known as curing the default.  If the homeowner cures the default any time before the auction date on the property then he is not going to lose his home.  It is estimated still that at least 50% of the homeowners manage to cure their defaults.  This is one reason why lenders would prefer to use the foreclosure process to make money instead of give a homeowner a loan mod.  However, statistics are also showing that these homeowners who cured the default normally end up back in foreclosure in very short order. 

    Tila Solutions receives countless calls and emails from people every day desperately trying to save their homes.  There have even been reports of people committing suicide because they could not stop foreclosure.  They call Tila because they need help.  Real Help – not false hope.

    Lender Lies & Deceit

    In any given month Tila Solutions receives countless calls from people that they can no longer help.  These are the people who were told by their lenders that they did not need to worry about the foreclosure, because they were “under review” for a loan mod, and the homeowners actually believed the bank.  Then somehow the auction date or denial letter didn’t arrive at the property address or in the mail, and the homeowner learned that either a) his home was going to be sold in the next couple of days or day, or b) his home was already sold at auction.

    Tila Solutions is an audit company.  They conduct forensic loan audits and help people locate the federal laws that were violated by the banks when the loan was issued. They use the results of these audits to help people save their homes and get the loan mods the banks refused to give previously.  But they can only help IF the home has not been auctioned off! 

    These days, the lenders have the goal of cleaning up their books, turning a profit, and making more money (actually the same goals the banks have always had – cut the losses and turn a profit). Banks determine where they will see the best return on the money they loaned, and sadly, you are not it.  Now that means auction off your home, and make money elsewhere, and that is what has been happening to the masses.  

     It is always the same story:  You, the homeowner, were lied to when you were given the loan: it wasn’t a good loan worked out in your best interest, it was a predatory loan that is now consuming you, but has made money hand-over-fist for the lender.  Now you are being told there just seems to be no way possible to qualify for a loan modification and lower their monthly payment, or worse yet, that you are under review and not to worry about the auction date.

    Until Tila Solutions conducts the Forensic Loan Review and finds the crimes that the banker is guilty of, you will continue to be lied to, and either cure the default, only to end up in foreclosure at a later date, or just lose your home.

    It’s a story we are all quite familiar with now:  somehow, that poor family, sitting in foreclosure does not make enough money to pay a smaller monthly payment, so the bank refuses to do the loan modification.  Of course they will also continue demanding the higher monthly payment or you lose your home to foreclosure. 

     

    Stopping the Bank Scam

     

    Homeowners just don’t realize that the bank will tell them lies.  It will tell them that they are getting a loan mod and then it will auction off their home.  If any other company operated this way they would be shut down rapidly and prosecuted!  But the banks have billions of dollars and they are getting away with it.  If homeowners do not have somebody on their side, and keep listening to the bank lies, they will be another statistic of the bank scams.

    When Tila Solutions comes on the scene, foreclosure is stopped, banker crimes are found and exposed, and lower monthly payments (and often principal balance reductions too!) are gotten.

    Tila Solutions uses the power you have always had to protect you:  TILA, HOEPA, RESPA, ECOA.  These are the laws that protect borrowers and prevent them from having their lives destroyed through the predatory acts of unscrupulous lenders and bankers who would use them for their own profit. 

    Borrowers have so much power and strength when they know their rights and use these laws.  Tila Solutions helps them do this. 

    Banks are not above the law, but will try to operate as if they are.  You don’t have to take that anymore!  A Tila Solutions Consultant is available for people by telephone at 1- 307—459—0232.  Or you can visit the Tila Solutions website at www.tilasolutions.com.  They will help you and your family.  They are on your side.

     

     

     

    Tags: loan mod, loan modification, foreclose, foreclosure, Tila Solutions, Tila, loan, audit, fraud, forensic loan audit, predatory loan, notice of default

     

  • Blog post
  • 4 days ago
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• How Can I Stop Foreclosure wit How Can I Stop Foreclosure with a Forensic Loan Audit?

  • From: Joseph_Vickers
  • Description:

    When homeowners get turned down by the bank for a loan modification, a forensic loan audit is the essential tool to use in turning that around.  Banks are not and never have been in the business of helping people; they are in the business of making money.  The lender sees no good reason to give you a lower payment just because you are experiencing hard times.  They are only interested in seeing the loan they gave you “perform” – which equates to monthly payment made on time.

    In many cases, when the lender is reviewing your paperwork to see if they will give you a loan mod, calculations will show that they can make more money at less risk if they do not give you a loan modification.  That is usually why you find yourself in foreclosure. The Forensic Loan Review is your most essential tool to show that foreclosure is no longer a money-making option for the bank –imagine if there is fraud – now there’s some risk to the bank!

    A Forensic Loan Review or Forensic Loan Audit, sometimes also called a Mortgage Audit is a complete investigation of the loan that the bank gave you.  The audit is done specifically to find all the Federal Laws that the lender violated.

    Tila Solutions is an Audit Company that investigates loans.  If you have a predatory loan, you will need a Forensic Loan Audit. If you feel that the lenders, withheld information from you, rushed you, mislead you or perhaps gave you a loan that could contain fraud, then you need to get your loan investigated.  It gives you ammunition to stop the bank in their predatory servicing practices.   It helps you get that loan mod you’ve been trying so hard to get.

    As you may recall, when you signed your loan documents you heard or saw reference to TILA, RESPA, HOEPA and ECOA.  Those laws were passed to help prevent you from getting a predatory loan – which is a loan that consumes you financially, and inevitably puts you on the road to foreclosure. These laws  are also supposed to ensure that you understand what you are getting before you sign, and give you a choice to back out.  Tila Solutions Examiners review all these Federal Laws that protect you as a borrower.

    While Tila Examiners are investigating  the loan to see if it complies with federal regulating bodi3s and their guidelines as well as TILA, RESPA, HOEPA, and ECOA they are on the lookout for fraud committed by the banks – and their investigations have shown that the banks are guilty of much fraud over the past decade!

    Remember this:  A performing loan is a loan that has a monthly payment coming in on time every single month.  The lender loves that  nice profit with hardly any risk.  This is all they want, and you will be their valued customer if you do it.  If you are not going to give them their money, then the bank will calculate the risk of modifying your loan against other methods of making money.  And you will no longer be a valued customer to them!

    And that is why you need to get Tila Solutions to perform a forensic loan audit for you.  The bank loses much of its firepower against you and no longer has the ability to travel down other money-making avenues if the loan contains federal violations or fraud.  Tila Examiners will methodically go through your loan sometimes producing a report numbering in the 40-page range.

    Sadly, some people have been told that a Forensic Loan Review will do them no good!  This is absolutely false.  Once the Forensic Loan Review is done, something effective must be done with it. Because lenders, who often act like they can operate above the law, will tell homeowners it means nothing and that the homeowner just wasted his money!  That is why Tila Solutions offers a free service to help negotiate on your behalf once his investigation is completed.  The Lenders push borrowers around and mislead them all the time.  Borrowers have to remember that it was these people who lied to him in the beginning, and it is these people who are still lying to him today.  Tila Solutions Negotiators work on behalf of the homeowner to make sure that you get your loan modification.

    There is a homeowner hotline at Tila Solutions that you can call.  Their consultants will interview you and help you identify whether or not you have a need to get your loan investigated because of the possibility that you have predatory loan. They can help you determine if your loan is in need of a Forensic Loan Audit.

    If you have been turned down for a loan mod then contact a Tila Consultant. If you are nearing or are in foreclosure, a Tila Consultant can help.  They can also help people who are current on their loans or those with investment properties.  A Forensic Loan Audit helps with commercial loans as well.

     

    You can call a Tila Solutions Consultant at    1 - 3 0 7 -- 4 5 9 --- 0 2 3 2 . 

     

    Visit     http://www.tilasolutions.com/     to learn more about a Forensic Loan Review and to learn how to take advantage of the free negotiation service offered by Tila Solutions.  The Tila Solution website is loaded with information and solutions.

     

     

    Tags: foreclosure, forensic-loan-audit, loan mod, loan modification, foreclose, foreclosure, Goldman Sachs, Tila Solutions, Tila, loan, audit, fraud, forensic loan audit, forensic audit, subprime, mortgage, predatory loan, mortgage fraud, Loan modificationinformation, short sale, 2 stop foreclosure

     

     

     

  • Blog post
  • 1 week ago
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• Tila2 Can Help Stop Foreclosur Tila2 Can Help Stop Foreclosure

  • From: CarolineTaylor
  • Description:

     

    By Caroline Taylor

    The professionals at Truth in Lending Auditors help homeowners stop foreclosure almost daily.  The Tila2 staff work directly with your lender and you to show why it is in the best interest of the bank to give you a loan mod.  Often people who come to Tila2 have tried for months on end to get the bank to modify their loan.

    Why are the staff at Truth in Lending Auditors able to prevent foreclosure so often?  Because they specialize in forensic audits.  The first step that Truth in Lending Auditors takes when a homeowner needs to get a loan modification is to conduct a complete forensic loan document review of the loan that the lender gave them.

    You may wonder why this is the first step:  It is because over the past decade lenders have repeatedly violated TILA, RESPA, HOEPA, and ECOA laws.  They’ve ignored guidelines set by the OCC, and they have put people into predatory loans that are now wiping them out.  Tila2 personnel have found that the best way to get the lenders to the negotiations table and to bring an end to the burning and churning in the lender’s system while desperately hoping for a Loan Mod that normally doesn’t come is to show the lender what he is responsible for.

    When you look at the abounding reports of unfair disqualifications, lost paperwork, completed trial modifications followed by trustee auction dates, and “understaffed” loss mitigation departments, it makes no sense to try to get the bank to lower your payments, drop your interest rate, or reduce your principal without first give the banks ample and compelling reasons.  Those reasons are found in the forensics.  Homeowners who are tired of being scammed come to Tila2.

    Lenders, bankers, news media, government officials, and even competitors warn homeowners away from seeking professional services to help you save their financial life and home. . .   Why?  It is easier to foreclose when the bank doesn’t have any middle man.  And it is always easier to get business for your company if you put out false reports about the competition.

    Don’t be mislead.  The facts speak for themselves.  Tila2 uses forensics and the first and most critical step in getting you the successful negotiations you need.  If you are at risk of losing your home to foreclosure, then don’t delay.  Get Truth in Lending Auditors on your side.

    Much information has come to light that begins to suggest that the banks are profiting from foreclosure. The banks see no profitability in loan mods. The Federal Reserve Bank of Boston released their findings on this a year ago.

    Are you still wondering if you should trust the bank’s promise to give you that loan mod?  Are you still trying to decide if it is time you got a forensic loan audit?  No matter what, the facts speak for themselves.  What are the facts of your loan?  Most probably the facts are a large number of violations.  How can those facts help save your home?

    It is probably time you contacted tila2 and took matters into your own hands.  Just remember this:  The bank wants your money and your home.  Take action and give yourself a fighting chance.  Get a Forensic Loan Review and let the people at Tila2 negotiate new terms for you with the bank.

    Truth in Lending Auditors can be contacted at ( 877) - 625--2419.  You can find out more about Tila and Forensic Loan Reviews at http://www.tila2.com/.

     

     

     

     

    Tags:  Truth in Lending Auditors, Tila, Tila-now, Loan Mod, Loan Modification, Forensic Loan Audit, Loan forensics, Foreclosure, stop foreclosure, scam, predatory loans

     

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  • 1 week ago
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• Congress’s Future Plans Speaks Congress’s Future Plans Speaks Volumes of the Foreclosure Crisis

  • From: Melanie_Atherton
  • Description:

    By Melanie Atherton

     

    Congress has been working on new legislation that is designed to overhaul current financial regulations.  This legislation points fingers in key critical areas across the nation’s economy.  Important for homeowners is Congress’s plans to form a new agency to crack down on deceptive mortgages and other financial products in the future.  It also aims to better protect consumers, tighten the reins on financial institutions and stop rewarding executives for taking reckless risks to fatten their quarterly earnings and bonuses.

     

    However, while this legislation is looking to the future to prevent another financial collapse and stop deceptive practices, the homeowner is not protected from the banks right now.  Every day, the banks are misleading people who are in foreclosure with false promises of loan mods.  This is why more and more, homeowners are taking matters into their own hands.  They are coming to companies like Tila Solutions who provide complete forensic loan audits and use the results to get the banks to finally approve the loan modification.

    One by one, American homeowners have fallen prey to the banks that originally mislead them with their deceptive lending practices, despite the laws that protected the borrowers. Let’s not lose sight of the fact that the banks simply chose not to follow those laws.  If they had, we wouldn’t be a nation in foreclosure today.  It becomes clear that Congress knows the problems exist otherwise they wouldn’t be forming a new agency to prevent future deceptive mortgage practices. But what does the homeowner who is losing his home do now?  Most just lose their homes.  But they do not have to.  The laws that should have protected them when the lenders issued the loan can still protect them now –if the homeowner will reach out to use those laws. Forensic loan audits will reveal what the bank did wrong and open the doors to stopping foreclosure, and finalizing a loan mod.

    So why is Congress turning a blind eye to the banks as they currently lie to and mislead the homeowners? Most often done by offering loan mods to them while foreclosing on those very people they said qualified? And why are the banks continuing to turn people down in record numbers? 

    Could there be any truth to the concerns that many people have expressed?  Tila Solutions has received thousands of calls. The homeowner believed the bank’s “offers of help.”  They believed it when the lender said they did not have to address the foreclosure process --that it was just a formality or a way for the lender to stay on top of the file.  They believed their lender when he said that they could work directly with the lender and get the loan modified --which would automatically bring the foreclosure to a stop. Sadly, far too many of them found that actually yes, the foreclosure did stop:  when the lender auctioned off their home.

    What would have happened if a homeowner had known that his lender deceived him with the original loan?  Would have been so likely to blindly trust that the lender really wasn’t going to auction off his home (even though the lender’s attorney firm provided him with an auction date) and was going to give him a loan mod?  Probably not. Do you think the homeowner would have had the courage and wisdom to get his loan investigated? 

    Many homeowners are doing just that now. The attitude today is to stop trusting the bank.  And it comes as no surprise: Countless forensics audits have been done, and consistently they reveal the same thing:  Banks ignored the laws: the violations are found in the loan.  Foreclosure doesn’t have to end in a disqualification for loan mod and an auction date.  In fact, with the use of Forensic Loan Audits, homeowners are saving their homes?  The lender stopped foreclosure because he actually took the homeowner seriously and got him the loan mod.

    Forensic Loan Audits has been the only thing consistently saving more homes than any other approach.  When homeowners get a forensic loan audit done all the TILA, RESPA, HOEPA and ECOA violations are found and revealed.  Fraud is also found in 79% of the loans that forensics are conducted on.  When people contact Tila Solutions, they get not only a forensic loan audit, but also a free negotiations service.  A Tila negotiator provides the results of that audit to the lender and real negotiations get underway.  More homes have been saved from foreclosure with the use of a forensic loan audit than any other way currently known.  The laws that prevented deceptive lending practices do exist. They existed at the time the bankers went on a free-for-all, carelessly lending money and misleading homeowners. There is no need to be in foreclosure, The federal laws can help you. 

    Tila Consultants help countless homeowners each month, determining if there is any way that the federal laws which currently do exist can help bring an end to the current deceptive practices that lenders are involved in.  A Tila Solutions Consultant can be found by visiting the website at http://www.tilasolutions.com or by calling 1—307- 459—0252.

    Tags: foreclosure, Forensic Loan Audit, Loan forensics, loan mod, Loan Modification, predatory loans, scam, Stop Foreclosure, Tila, Tila Solutions, Tila-now

     

  • Blog post
  • 2 weeks ago
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• tmmcgee4

  • Views: 5
  • Since: 2 weeks ago

• Your Lender is Not Your Friend Your Lender is Not Your Friend

  • From: Glenn_Dickson
  • Description:

    Once you have missed a payment the lender is not your friend.  Missed payments equal more money for the lender.  The more the lender gets, the happier he is.  The best way for the lender to get more money out of you is to increase your monthly payment through accrued interest from late payments or missed payments, late fees and penalties.  It is a real money maker for the lender.  This has always been a fact and all homeowners know it and accept it.

    Where the problem currently lies is that the homeowner has been led to believe by both government campaigns and lender lies that the lender is actually going to help him – the homeowner, who has fallen behind.  The lender is not going to help you – unless there’s money to be made in it for him.  Enough money to make it worth his while – and that means he will actually pretend to help you.  In fact, the lender will just string you along with false promises and pretenses for months and months and months, finally you’ll end up in foreclosure and possibly lose your home to public auction.

    You, the homeowner have always been nothing more than a loan number to the lending institutions.  Sadly, that’s all you’ll ever be.  They’re not particularly moved by the fact that your child has special needs, or your mother needs extra care.  They don’t really care that your spouse lost their job, or that the home has been in your family for six generations. In fact they have no interest in any of the aspects of your life.  The equation is simple:  Your money or your home.

     What matters is that your loan number has fallen behind and now you are on the very-profitable-for-the-lender road to foreclosure.  Soon they will either get a large, normally uncontested “chunk of change” from you-who-represents-your-loan-number, or they’ll get your house – which secures your loan number.

    Sure, they have seemingly courteous people on the phone (well some of them do, others use call centers in India or hire brutes to scare, manipulate and threaten you), all who say “stop making your payment and we’ll get you a loan mod,” or “we can’t help you until you are three payments behind,” or we have you in the system for a loan mod, now it will take only 4 months to get you a mod (of course it actually turns out to be 13 to 18 months because they are always losing your paperwork).

    Why does a process as simple as a loan mod take so long?  Because every missed payment is more money for the lender.  Did you know that almost half the homeowners manage somehow to cure their default amount to prevent foreclosure from starting?  Sure, but they wiped out every financial resource the homeowner had, and once again, he can’t make his monthly payment! 

    The homeowner is back in default and on the road to foreclosure in no time at all.  Meanwhile the lender made a nice sum and gets to go for round two.  The only route left to save the home is bankruptcy – most homeowners think—so they destroy the rest of their credit and dignity in a last ditch effort to save their home.  It bought them a bit of time, but it seems the lender still gets the home in the end.

    What started all this?  Rather, who started all this?  It was the lenders themselves.  That’s correct, they gave you loans designed to fail.  They’ve made billions of dollars at your expense.  That’s why it is predatory lending and predatory servicing.  Since the day you got your loan you have been preyed upon.  You have been told that this is “all your fault,” and the government has “tried to comfort you” with promises of help through President Obama’s HAMP program.  That, of course we all know now, is just a great big joke.  Most people only give money to the lender for months on end, while none of it goes to their loan, then they get disapproved and foreclosed upon.

    And it seems to so many homeowners that everybody is in on their pain for the lender’s gain.  Attorney’s won’t take on the homeowner and fight for him when the lender will pay him well to foreclose.  Judges don’t really want their courtrooms clogged up with foreclosure cases, so warehouse them through.  Lenders ‘warn” homeowners not to get professional help, ‘cuz, well you know, “the lender will help you for free”, yah, sure we all know that lie by now.  And saddest of all:  politicians are passing laws that prevent homeowners from hiring professionals to help them get their loans modified!

    But there is hope, and there is help.  Rockingham Associates is there for the homeowner.  They conduct forensic loan reviews which reveal all the violations in the loan the lender gave you.  They conduct predatory servicing investigations, which reveal all the predatory acts the servicer has committed against you.  They use those investigations as the springboard to getting you successful negotiations.  Lenders suddenly would rather modify your loan, than deal with investigations. 

    Homeowners don’t have to stand alone, they don’t have to be abused and preyed upon.  They just need a professional on their side and that would be the good people at Rockingham Associates.  Visit their website at www.rockinghamassoc.com to learn more about this company and what they can do for you.  They are busy rekindling the American Dream.  Their goal is to get you complete financial recovery.  Consider contacting one of their representatives to begin to unravel your financial dilemmas. 

     

     

    Tags: lender, late payments, default, homeowners, Foreclosure, Loan Mod, Loan Modification, Predatory Loans, Predatory Lenders, Credit Scores, Foreclosure, predatory foreclosure, bankruptcy, Rockingham Associates, Rockingham, borrowers, HAMP, HAMP Program, Obama Plan, Bankruptcies, Predatory Servicing 

     

     

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