Tag: hamp

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Short Sale a Must?

Short Sale I already modified my mortgage, but because of new circumstances I am late again. Must I Short Sale my home now? Not necessarily. You may be able to get another loan modification based on your “new circumstances.” The HAMP guidelines were recently changed to address this situation. Homeowners who have defaulted on a […]


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HAMP Changes

HAMP Changes The Obama Administration, The U.S. Department of  The Treasury, and the U.S. Department of Housing & Urban Development  recently announced important enhancements to the Home Affordable Modification Program (HAMP). The program is being expanded and made available to: • Homeowners who do not meet the 31 percent debt-to-income (DTI) requirement for a traditional […]


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Foreclosure Defense and Loan Modification Increase

Foreclosure Defense and Loan Modifications Recently we have experienced an increase in the number of our clients receiving loan modifications.  These modifications are both HAMP and In-House, temporary and permanent.  The cause is unknown but for our clients, it doesn’t matter why.  They are just grateful that it is happening.  As the foreclosure world is […]


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Survey Finds Racial Disparities Under Anti-Foreclosure Program

A recent Washington Independent article states that Black homeowners are roughly 50 percent less likely than whites to receive a mortgage modification under the largest of the administration’s anti-foreclosure programs. The article states that “…just 24 percent of black respondents eligible for mortgage modifications under the HAMP have received one, according to a survey conducted […]


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