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Bank of America: Steamlined Cooperative Short Sales with no Paperwork! No way…
Bank of America in an effort to close more deals has designated a company, Default Servicing LLC., since September to begin contacting homeowners that were pre-qualified for the short sale process. Their new program, shrouded in part due to secrecy of how to qualify,...
Fair Debt Collection Practices Act (FDCPA): What saves me from them?
Lenders are known for not playing by the rules. In many cases their underhanded tactics used to collect from consumers have become against the law with the passing of the Fair Debt Collection Practices Act (FDCPA) of 1966. The FDCPA is a federal law which governs the...
FDCPA: They won’t stop calling; When can my creditors legally call me?
Many of our customer's frequently get calls through out the day and complain that they never stop. Often even while a review continues on their accounts the lender will still continue to call, along with their collection activity (calls, letters, late charges, etc.) ...
CitiMortgage: Allowing extended verbal authorizations – Thank you, NO MORE FAXING LOAs
Starting last month CitiMortgage, a CitiGroup company, is one of the few lenders that allow the homeowners to call in and verbally authorize the lender to speak to their 3rd parties as opposed to having to submit this in writing. Most lenders allow for a 1 time verbal...
HAFA: Making homes affordable HAFA Options Pamphlet
The Government's alphabet soup of mortgage help programs has really set a lot of confusion amongst homeowner's, agents, and professionals alike with all the programs that they have brought to pass. HAFA, as relatively one of the newer programs, has been met with a...
21st Century Mortgage: Talk about crazy short sale deals.
When everyone talks about the great short sale deals I don't think they have frequented the 21st Century Mortgage area of the business. If this business has gotten any better in some places it's definitely gotten worse in others. Strange as it may seen we have come...
HAMP: Guidelines for Multi-Unit owner occupied extend loan balance limits.
We receive frequent inquiries from our readers and our clients regularly about finding assistance for their Multi-unit properties. While there are programs for non-owner occupied properties or investor properties the treasury has made sure that the HAMP, which only...
Bankruptcy: Can I still owe money to the IRS if my Chapter 7 Bankruptcy has been discharged?
***PLEASE NOTE THAT THIS SHOULD NOT BE CONSIDERED LEGAL ADVICE OR TAX ADVICE. EVERYONE'S SITUATION IS DIFFERENT AND SHOULD BE REVIEWED BY A PROFESSIONAL IF YOU NEED TO SPEAK TO SOMEONE PLEASE REACH OUT TO US AT 888-934-3444 TO SPEAK TO AN AGENT THAT DIRECTLY OR EMAIL...
News: No Short Sale deficiencies in California?
Finally passing on September 30th the Senate Bill set to change the name of the game made it through the door. Senate Bill 931 is set to take effect on January 1, 2011. This highly anticipated law is set to disallow a seller’s first trust deed lender from obtaining a...
Wells Fargo: Home Equity(HELOC) no Talk, atleast not without a Power of Attorney
As the bank's continue to beef up security it seems there is no lack of measures being put in place. No bank worse than Wells Fargo's HELOC department. Strangely enough this is not a company-wide rule. In fact the rule doesn't even extend to any of Wells Fargo's...
Fannie Mae: Commercial Loan Modifications …not just for Residential Markets!
Fannie Mae is always on the look out, like any servicer, for the best solutions that in the long run lose them the least amount of money. Commercial owners and owners of investment properties rarely see the benefits of these programs. Since October of 2009, a little...
Aurora Bank: Letter of Authorization to Specify Approved Callers
Aurora Loan Services - Needs specific agents name on letter of authorization - this started at the begining of OCT Aurora Loan Services or Aurora Bank, FSB, formerly of Lehman Brother has enacted new guidelines for its authorizations and what is the expected to be...
Chase Home Mortgage: Openers, and Negotiators, and Closers, oh MY!
Chase, like many companies in its pursuit for improving how it does business, attempted to make some changes to Loss Mitigation Workout line up. Traditionally speaking the process goes from having a simple document collector and negotiator structure to trying to break...
PNC Bank: Short Sale Work Flow… Don’t get stuck you may never make it.
PNC Bank, not to be confused with PNC Mortgage (as if it wasn't hard enough to already deal with them), has a work flow for dealing with their short sales just like anyone else. It is always important to deal with the right people, at the right time, and and ask the...
Chase Recovery Department: Out for Blood? Well anything they can get at least.
Chase is seemingly not hurting these days as the recovery department is on a set course to collect a minimum of 70% for a full release of the deficiency balance to be released. Now to anyone paying 70K on a 100K debt is a savings of 30K (which by the way the IRS does...
PNC Mortgage: Submit your short sales 10 days prior or its too late for a review!
In our recent discussion with PNC Mortgage, not PNC Bank, on behalf of one of the short sales we were representing it seemed that they to be tightening their belts more than anyone else. We for one seemed to think that it is strange that if the government is pushing...
Wells Fargo: My home went REO. How fast is it going to go to be sold?
Frequently we receive phone calls from homeowners who's properties have been lost to foreclosure and their homes have sold back to the bank at the auction. Wells Fargo's REO Department is no different and while there isn't an exact time frame on how long it will take...
BAC Home Loans Servicing, LP: Bank of America Short Sale Information: Awaiting Valuation
While processing short sales through the Equator system, once known as REOTrans around this time last year, we received a new message notice advising that they were completing the valuation part of the process. This is a relatively new in the sense that it has only...