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HAMP: New Changes to Investor Income Valuation, Government reviews and has found clarity.

HAMP: New Changes to Investor Income Valuation, Government reviews and has found clarity.

In an odd turn of events HAMPs guidelines have changed possibly this time for the better. Changes have recently taken place to help try and bring that 18% of successful workouts up a little and this time it’s including Investors. Now before you jump for joy they...
Bank of America: BAC Loan Servicing Imminent Default Terms. Do I need to be behind?

Bank of America: BAC Loan Servicing Imminent Default Terms. Do I need to be behind?

Frequently we get a lot of questions but none as much as the question, “Can I apply for assistance without being behind/delinquent?” Usually this is followed by the fact that they were told by everyone they know that they should stop making payments if...
CalHFA: We don’t need no stinkin’ government programs, Rs r gud!

CalHFA: We don’t need no stinkin’ government programs, Rs r gud!

Needless to say CalHFA’s  review of loan modification is weak and at best they don’t even look to see if you have your basic requirements for living are met. Many times you will find that they will go through multiple level’s of management prior to...

What is a Hardship Affidavit? A Question we get about HAMP

Many of our clients are receiving these days a Hardship Affidavit that seems like it is causing a storm of confusion. Even those in the industry find that they are not exactly sure what it is for. The “Affidavit” pronounced by many as...