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#DIY Loan Mod Kit RSS Feed DIY Loan Mod Kit Atom Feed DIY Loan Mod Kit

DIYLoanModKit-
DIY Loan Mod Kit
The Do-It-Yourself Loan Modification Solution

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kit

Posted by Admin - January 8, 2011 at 5:51 pm

The Obama Foreclosure Dance

We love this dance!!!!!!!!!!!!!!!

And yes we do think that the government is dancing around the issue of
loan modifications. Until the administration embraces principle
reduction this is will still remain a problem.

diyloanmodkit

Be the first to comment - What do you think? Posted by Admin - January
10, 2011 at 5:58 am

Categories: Loan Modification, Obama plan Tags: diy loan
modification, DIYLoanmodkit, diyloanmodkit, do it yourself loan
modification, Loan Modification, Obama Dancing, Obama loan modification
dance

Hamp Calculator Now Available

diyloanmodkit- A free online calculator is now available to
homeowners who are looking for a loan modification under the Hamp
program. The calculator was released by the Treasury Department for
homeowners to see if they will potentially qualify for the Home
Affordable Modification Program (HAMP). Presently you cannot use the
calculator for any other loans that are not government sponsored.

According to Treasury sources, the new calculator can be used a point
of reference for borrowers, housing counselors and any others in the
loan modification industry that may use the process, but using the
calculator does not mean that you will qualify. The information/data
the calculator uses to qualify the borrower is based on interest rate,
term and forbearance amount and may be inputted differently depending
on the servicer.

An NPV(net present value) test is typically conducted by servicers when
evaluating a borrower for HAMP. The test determines the value of the
loan if it is modified according to program guidelines against the loan
being left in its current state or "as is." If the NPF test out higher
for the workout, the servicer is required to provide the modification.

Since the HAMP program began in March 2009, permanent loan
modifications have been received by approximately 670,000 borrowers.
Yet according to the Treasury, the original estimate was between 3 and
4 million borrowers, thus the program has fallen short. To encourage
greater opportunity for eligibility for the program, the Treasury made
some changes including mandating that servicers provide a single point
of contact or relationship manager, to assist a borrower in getting the
evaluation handled and completed in a timely, organized manner in order
to facilitate approval and increase the success rate .

Be the first to comment - What do you think? Posted by Admin - August
5, 2011 at 2:19 pm

Categories: HAMP, Loan Modification, Obama plan Tags: hamp
calculator, HAMP Loan modifictions, HAMP program, Loan Modification,
new calculator, Obama plan

If you had a Mortgage with CountryWide you may get a Refund

countrywide- (CNNMoney) -- Borrowers who were overcharged by
Countrywide Financial over three years ago are finally going to get
reimbursed.

The F TC said Wednesday that, as a result of a settlement reached with
the mortgage lender over a year ago, it is sending out checks totaling
nearly $108 million to more than 450,000 former Countrywide borrowers.
This was for overcharges the company made before it was bought by Bank
of America.

There were two types of overcharges, according to Frank Dorman, an FTC
spokesman. The first were tied to inspections, home maintenance, lawn
mowing and other services that Countrywide provided to homes of
borrowers in default.

Instead of directly hiring local vendors for those tasks, the company
used their own subsidiary companies to hire the vendors -- and then had
the subsidiaries mark up the fees, sometimes doubling them or more.
They passed along the overcharges to the homeowners. Affected consumers
will receive all those overcharges back.

The second set of overcharges came in the form of false claims and fees
to escrow accounts of borrowers who entered into Chapter 13
bankruptcies (this type of bankruptcy protection provides debtors with
time to pay off what they owe). The borrowers weren't notified about
the fees or charges at the time they were incurred. The FTC says they
will get back the entire amount of those undisclosed fees or charges.

The action covered borrowers who were in default betweenJanuary 1,
2005andJuly 1, 2008. Many of the amounts are quite small; the average
is about $240, but some borrowers will receive checks of several
thousand dollars, the FTC said.

Be the first to comment - What do you think? Posted by Admin - July
30, 2011 at 3:25 pm

Categories: foreclosure Tags: Countrywide borrowers, Countrywide loan
modification, countrywide overcharges, overcharged by Countrywide
Financial

Banks to Face HAMP lawsuits.

diyloanmodkit- Were you one of those homeowners
that submitted your loan modification under the Obama administration's
HAMP -Home affordable modification program. Then after making a series
of payments told that you don't qualify? Well a number of banks are now
facing class action lawsuits from homeowners who are now finding out
that they may have originally qualified for the program

(Reuters)Bank of America among many other banks, had hoped to avoid
facing tens of thousands of irate homeowners claiming that they were
unreasonably denied mortgage aid through the Home Affordable
Modification Program by the lender. However, a judge has denied the
bank's motion to dismiss the case and the bank will be asked to provide
permanent loan modifications to those who are eligible and award
damages to those who were "wrongfully denied modification". Attempting
to put a positive spin on the situation, BofA announced that it is
"pleased that the court dismissed four of the eight counts in the
consolidated complaint." The judge ultimately limited the case to
homeowners who entered trial period plans (TPPs) for loan modifications
but were then denied permanent HAMP mods. He did allow for homeowners
in states where consumer protections are stronger, like California,
Illinois, Arizona and Massachusetts, to pursue claims in their own
states.

The problem is not so much that the lender refused to modify loans, but
rather that it appears to have "willfully failed" to make modifications
that were likely to be successful - "either in bad faith or for its own
economic benefit," explained judge Rya Zobel. However, Zobel did reject
claims of borrowers who asserted that they were "intended beneficiaries
of HAMP" but who never entered the program, and she also refused to
block 37 foreclosures on homeowners claiming to be in "imminent danger
[of foreclosure]" during the pending lawsuit.

Do some research and find out if it makes sense for you to join a suit
in your state if you feel that you might have been affected.

Diyloanmodkit

Be the first to comment - What do you think? Posted by Admin - July
14, 2011 at 8:26 pm

Categories: foreclosure, HAMP, Loan Modification, Obama plan Tags:
Bank of America loan modification Bank of America HAMP program, diy
loan modification, DIYLoanmodkit, do it yourself loan modification,
foreclosure, Loan Modification

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* Recent Posts
+ Hamp Calculator Now Available
+ If you had a Mortgage with CountryWide you may get a Refund
+ Banks to Face HAMP lawsuits.
+ $50,000 free from the government!
+ Thousands of Borrowers are Staying in their Homes for Free!
+ Top Banks Have Poor Loan Modification Rates.
+ Tax Day Is Coming...
+ Principle Reduction Maybe Coming Soon!
+ HSBC stops foreclosures
+ Obama Pushes For Principle Reduction
+ Chase Offers Homeowners Help
+ Loan Modification Approvals Increase
+ Class Action Law Suit for Bank Of America
+ The Obama Foreclosure Dance
+ Foreclosure Videos offered by Fannie Mae
+ Loan Modifications - Is the state of California against us?
+ Call CitiMortgage Today!
+ Bank Complaints Soar
+ 5 Ways Banks Are Taking Advantage of Homeowners
+ Programs to help troubled homeowners to start in January

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