Tag: loan modification

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Forensic Mortgage Loan Audits

Forensic Loan Audits Forensic Loan Audits A Forensic Loan Auditor,  purportedly, reviews your mortgage loan documents to determine whether your mortgage lender violated any state or federal mortgage lending laws when they funded your loan. We always wondered if these outfits were really helping homeowners. We couldn’t quite figure out how just finding problems with the […]


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Foreclosure Settlement Conference Notice

Scheduled Foreclosure Settlement Conference I received a notice to attend a foreclosure settlement conference, what should I do? Go! If you are facing foreclosure and the court has scheduled  a foreclosure settlement conference for you, you should attend or hire an attorney, probably for a lot less than you may think, to attend on your […]


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Fighting Foreclosure After a Default Judgment.

Your lender brought a mortgage foreclosure action and obtained a default judgment against you. So, it’s game over and you are bound to lose your home to foreclosure, right? Not necessarily! The scenario usually goes something like this: Your mortgage lender brought a foreclosure action against you and allegedly had you served with a summons […]


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New York Foreclosure Law

In 2009, Governor Paterson signed foreclosure legislation aimed at protecting homeowners and tenants. Protection For Homeowners: NY foreclosure law now requires that a 90-day pre-foreclosure notice be sent to all homeowners facing foreclosure. This notice is sent prior to the start of the foreclosure action and allows additional time for many homeowners to work with […]


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Filing Bankruptcy To Save Your Home From Foreclosure

Filing Bankruptcy to Save Your Home:  CHAPTER 7 Bankruptcy Will filing a chapter 7 bankruptcy save my home from foreclosure? Probably not. If you are facing foreclosure you have likely missed a few mortgage payments. Chapter 7 does not allow you to make up your missed payments over time. However, the “automatic stay” may delay […]


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Facing Foreclosure

I’m facing foreclosure, What can I do? Some of your options: 1. Do something: -Call your  lender and try to arrange a Loan Modification, Refinance, short sale, or Deed-in-Lieu of foreclosure. -Loan Modification- A Loan Modification is a permanent/temporary change in one or more of the terms of your mortgage loan. Ideally, this will result […]


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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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