Loan Modification

http://www.mtgmodadvice.com/free Loan modification with Countrywide. Get everything you need to know about using a Loan modification with Countrywide to stop the foreclosure process

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Every homeowner that is possibly facing foreclosure needs to be equiped with the vital information needed to complete a successful loan modification.
Now you can learn about the loan modification process through a series of free videos.

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Or you can call usl for free loan modification advice
at 1-866-208-6325

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Attorney Negotiated Home Loan Modification for Home Owners. Expert Advice on Real Estate and Mortgage. Avoid Foreclosure Scams and Fraud. Prevent Bankruptcy. Go To http://RealEstateMarketingThisWeek.com

Part 7 (Excerpt)

Watch out for scams; huge fees for Loan Modifications

Important to point out folks that Velocity Financial is a full service mortgage broker, the majority of our business is writing and originating and underwriting mortgage loans for homeowners, people to buy real-estate, people to refinance their homes, people can still refinance out there, loan modifications are not for everybody, in fact they are for a small segment of the market.

Im the founder of the Modification Hotline and we put that in place to help people right now, people dont need a salesman when it comes to these loan modifications, I heard a story today from a home owner that I just couldnt believe, this person that is trying to get loan modification told them that she had to pay them $1500 a month for 4 months and by the time she was finished paying them they guaranteed her some kind of ridiculous, I just dont understand why it is like that.

Right now we need to help you get through the situation, we are here for you, we are going to do everything in our power with our national network of attorneys, who are expert negotiators, so it is important that you call.

I just want to make the distinction so it is clear for everybody, Velocity Financial is a full service mortgage firm, all things mortgage related and the concept of todays show being loan modification program is a division of something that you kind of created and had some foresight about all of these issues that are effecting not only mortgage holders but the economy at large, thus this topic and wanting to help these people.

Thats correct, a year and a half ago I was approached by someone that I respected very much in the industry, asked me to get involved with the loss mitigation process and I essentially declined the offer, once I reanalyzed that a number of people calling us needed loan modifications. We did do some research and found the debt advisory alliance with a gentlemen that I have know for years, and he had already put together the national network of attorneys, so we are working with these people who have done thousands of these loan modifications.

We are the affiliate, we are doing the discovery and due diligence, they are taking care of the expert negotiations, thats not my job, that is not what we are good at, what we are good at is putting together a case that will get modified the best for you, and your kids and everything else to keep all of you in place…

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http://www.mtgmodadvice.com Free Home Loan Modification info & advice. Get everything you need to know about Mortgage Loan Modification an Alternative to Foreclosure from Loan Modification Experts.

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http://www.mtgmodadvice.com/free How to get a Home Loan Modification Approved. Get everything you need to know. We can prevent foreclosure or mortgage by using a home loan modification service.

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http://www.mtgmodadvice.com/free Foreclosure prevention Florida – Free Advice. Get everything you need to know about Loan Modification. We can prevent foreclosure by using a loan modification service.

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http://www.mtgmodadvice.com/free Foreclosure prevention Florida – Free Advice. Get everything you need to know about Loan Modification in Florida as an Alternative to Foreclosure.

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http://www.mtgmodadvice.com/free Foreclosure prevention California. Get everything you need to know. We can prevent foreclosure in California by using a loan modification service.

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Many people today are suffering the loss of their jobs, their income and their homes. Legislation has been passed by Congress in an attempt to help these diligent home homeowners, who through no fault of their own are losing their homes to foreclosure proceedings by the banks and lenders. These desperate homeowners are contacting their banks and lenders in an attempt to modify their loans, for example by reducing their monthly payments, by reducing interest rates or tacking unpaid mortgage payments on to the end of their loan.

The banks received TARP funds, bail out monies, from the Federal Government with the intent to enable the banks to begin loaning money and/or modifying existing loans to stimulate the economy and assist these desperate homeowners who have fallen on hard times. However, no matter what you hear, the banks are NOT loaning money.

Instead, homeowners are being given the run around. Homeowners make innumerable calls to their lender inquiring about a loan modification. Most of the time, the homeowner is met with no answer. Messages are left on the lenders voice mail; however, the messages are seldom returned. When a homeowner is fortunate enough to speak to a lenders representative, phone calls are put on hold, disconnected, transferred, shuffled from person to person and department to department. Some homeowners state they have made over twenty (20) phone calls in a month and sent multiple copies of requested documents to their lender. When the homeowner is finally able to speak by telephone to an agent he/she is repeatedly informed that the agent could not find the homeowners documents, that the homeowner needs to call another department (often ultimately directing the homeowners calls back to the first person to whom they had spoken, or, that the homeowners documents were under review). The homeowner is often presented with a plan which is not a loan modification but a forbearance plan in which the homeowner is offered a payment plan (take it or leave it) with monthly payments in excess of their original monthly payment. This was not the intent of the Congress when they agreed to bail out the banks. In fact, this creates an even greater hardship for the homeowner. Meanwhile, the bank or lender is instructing its servicing agent to start foreclosure proceedings against the homeowner who is behind by several months payments while trying to communicate with and negotiate with their lender for a loan modification. While the bank/lender has started foreclosure proceedings through its servicing department/agent, at all times the homeowner is continually reassured that the bank/lender is processing their paper work for a loan modification; or that the homeowner is in compliance with a forbearance agreement for mortgage payment between the parties. At worst, this is intentional. At best this is a case of the left hand not knowing (or caring) what the right hand is doing. Ultimately, the conscientious homeowner, while believing he/she is in negotiations for a loan modification with the lender, is served a Notice of Default and notice of foreclosure proceedings.

The banks/lenders are acquiring property through misrepresentations and unlawful and fraudulent means. The banks/lenders are in violation of a variety of laws meant to protect the consumer and help desperate homeowners. These violations include, among others, the Home Affordable Modification Program (HAM), enacted March, 2009, Truth in Lending Law (TILA), Regulation Z, the Homeowners Equity Protection Act (HOEPA), Real Estate Settlement Procedures Act (RESPA), the California Translation Act, Civil Code §1632, et seq., California Consumers Legal Remedies Act, Civil Code §1750, Californias Rosenthal Fair Debt Collection Practices Act, Civil Code §1788, et seq., and in violation of Californias Business and Professions Code, §17200, et seq. Lenders/banks through misrepresentations, fraud and breach of contract, in addition to the violations of the statutes referenced above have demonstrated a calculated and malicious intent to obtain an interest in the homeowners property, by causing the homeowners property to go into foreclosure. Instead of helping the homeowner, the lender is stuffing its own pockets by building its own real estate portfolio and subsequently packaging the homes foreclosed upon and selling them off as mortgage backed securities, therefore making a profit on the backs of homeowners.

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Republican neofascists from Wells Fargo Auto Insurance defrauded me and other auto loan consumers out of year of mortgage payments and illegally changed number of my auto mortgage account, added sixth year of monthly installments in a foul fraud.

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This video is from the show Open House on CNN. Homeowners in trouble facing short sale or foreclosure should be careful when answering to unsolicited mail, phone calls or emails. A HUD representative and a legal services representatives explain what homeowners should watch out for and what to do.

More info at:

sccrealestateuncensored.com/2007/foreclosure-scam/

micasamidinero.com/2007/foreclosure-fraude/

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