First off to meet the FTC stuff I get NADA that means nothing!!!!! Although I wish I did there is a ton of valuable information here. These websites provide homeowners advice to challenge the lender and get "Real" modifications or delay the envitable and buy time. They provide info for you that you can do it yourself chat with others etc. At the very least you might learn a few things yourself or educate yourself on what can be done. But I really believe that the average homeowner has been hung out to dry I don't care whether he should of borrowed that money or not. Life has its twists and turns and the reality is the banks got there handouts are making money hand over fist smiling at us saying they are here to help while screwing everyone and I mean everyone, homeowner and non homeowner. Bank of America the number one bank with more loan mod applications than anyone but dead last in Loan mods executed. Some how there seems to be a lack of consistency. Little do people know that some of these banks actually make more money on foreclosing than they do on a loan mod or a short sale.
Anyways here are the websites, does not hurt to pass on the info. http://timothymccandless.wordpress.com/about/
http://livinglies.wordpress.com/
Gene Perez, DRE 01321588
Buying or selling a home or property in Santa Maria CA, or a Santa Maria foreclosure, or a property on the Central Coast, my goal is to provide you with resources you need.
Here is an article that shows how a borrower got his mortgage wiped out. Read this and show it to the stubborn lender.
I remember this the problem in california is that we are a non-judicial state and foreclosure can happen automatically if the homeowner does not do something it is more of burden to save your home here in california no one to reveiw whether there is a note or not. And who in the hell can afford most of these attorneys so the banks got you by the balls sometimes unless there are attorneys out there willing to educate the average joe like these sites they even provide FREE documents and step by step process still complicated but I bet if more people did you would see more "freindlier" banks ;-)