Articles Related To Mortgage Servicing Fraud

Date	Article Articles are added weekly	Source	Comment
09/10/21	The Week Ahead: Examining the State of the Housing Market	The M Report	The Week Ahead: Examining the State of the Housing Market On Friday, September 17, the Harvard Joint Center for Housing Studies will present a webinar titled “The State of the Nation’s Housing” from 11:15-12:15 p.m. CDT. In this presentation, Daniel McCue, a Senior Research Associate at the Center, will discuss “The State of the Nation’s Housing 2021,” a report authored by the Center analyzing trends in the market over the past year.
09/10/21	Deuteronomy: Securitization for those who read scripture	Living Lies	Deuteronomy: Securitization for those who read scripture It seems like from the beginning of time most people understood that there was something intrinsically wrong with borrowing and lending, especially if it extended for more than seven years. There is complete agreement on that in both the Old Testament and the New Testament.
09/10/21	How the Moratorium’s End is Affecting Foreclosure Activity	DSNews	How the Moratorium’s End is Affecting Foreclosure Activity Housing professionals have long been anticipating the response to the July 31 expiration of the federal moratorium on foreclosures. With August numbers coming in, analysts say there has indeed been a rise in foreclosure activity, but they do not expect a large influx.
09/10/21	Covid mortgage bailouts are expiring fast, but here’s why a foreclosure crisis is unlikely	CNBC	CFPB releases new mortgage servicing rule: What it means for homeowners The number of borrowers in both government and private sector Covid mortgage bailout programs is falling fast, but for those still in trouble, the future is not as bleak as originally thought.
09/09/21	CFPB releases new mortgage servicing rule: What it means for homeowners	Fox Business	CFPB releases new mortgage servicing rule: What it means for homeowners As foreclosure moratoriums come to an end, the Consumer Financial Protection Bureau (CFPB) released a new mortgage servicing rule that took effect Aug. 31 to help prevent foreclosures for borrowers facing delinquency. The rule will prevent most foreclosures from taking place before January 2022.
09/07/21	Updated RECORD OF SETTLEMENTS: i.e. HOMEOWNERS DID NOT CREATE THIS CRISIS	Sherry Hernandez	Updated RECORD OF SETTLEMENTS: i.e. HOMEOWNERS DID NOT CREATE THIS CRISIS Updated as of January 2020 with updated links: As a homeowner, I am tired of the “Deadbeat” narrative. At this point in our history it is laughable. To prove mypoint……I am posting this list of settlements, white papers, investigative reports and studies, all pointing to collusion byindustry insiders.Courts have stated that homeowners were not harmed. Yet when the lenders and servicers are allowed to arbitrarily addcharges, stop payments and issue trial modifications with no intention of following through, the homeowner is harmed.When the MERS website contains more than one lender/servicer listed as the owner/holder of the note, the homeowner isharmed. When the lender/servicer refuses to give us an accounting and yet they are able to raise our payment or addcharges that they are not required to verify, the homeowner is harmed, and the “lender” can use this power as extortionto remove the homeowner from their home, or increase their debt without cause and without oversight
09/07/21	Mortgage Servicing and Loan Modifications...2.4 Payment Application Problems	NCLC	Mortgage Servicing and Loan Modifications...2.4 Payment Application Problems 2.4.1 Misapplication of Payments The misapplication of payments can arise from a servicer’s sloppy procedures or purposeful efforts to generate more revenue. Unfortunately, the misapplication of a single payment can have a snowballing effect that leaves homeowners fighting foreclosure and struggling to repair their credit.
09/07/21	A Lawsuit against the County Recorders for the Bold and Brave Homeowners who want to see a real change	Living Lies	A Lawsuit against the County Recorders for the Bold and Brave Homeowners who want to see a real change There are very few County recorders who would deny that the quality of title has been at least diluted and diminished by fabricated documents. Many would say and have said that title is now corrupt as a result of the extensive cover-up engineered and manufactured by investment banks who are acting through multiple layers of intermediaries.
09/07/21	Homestead Protection Error - An Open Letter to Governor Charlie Baker	Mohan Harihar	Homestead Protection Error - An Open Letter to Governor Charlie Baker Page 18 September - 2021 The Valley Patriot valleypatriot.com September 7, 2021 VIA EMAIL COMMUNICATION The Honorable Charlie Baker Governor of Massachusetts Massachusetts State House Office of the Governor 24 Beacon Street, Rm. 280 Boston, MA 02133 RE: HOMEOWNER’S PLEA TO CORRECT EVIDENCED HOMESTEAD PROTECTION ERRORS
09/03/21	Servicers DO NOT handle the Money or the Accounting: they only pretend to do so to offer fake business records” into court evidence	Living Lies	Servicers DO NOT handle the Money or the Accounting: they only pretend to do so to offer fake business records” into court evidence The big problem in legal practice is acceptance of the idea that the servicer is the servicer. The practice guide is simple: test that proposition before you do anything else. This is the same strategy as what the litigator should do with the REMIC Trust, the REMIC Trustee and others.
09/02/21	Senator James Sanders Jr. and State Legislature Extend Moratorium on Residential and Commercial Evictions and Foreclosures	NY Senate	Senator James Sanders Jr. and State Legislature Extend Moratorium on Residential and Commercial Evictions and Foreclosures Senator James Sanders Jr. and State Legislature Extend Moratorium on Residential and Commercial Evictions and Foreclosures Senator James Sanders Jr. and his colleagues in the Senate and the Assembly voted to extend the moratorium on residential and commercial evictions and foreclosures until January 15, 2022. This was the result of a three-way agreement between the Governor and the legislature during an Extraordinary Session.
09/01/21	The Key to Winning for Homeowners: Enforcement of Discovery — Sanctions	Living Lies	The Key to Winning for Homeowners: Enforcement of Discovery — Sanctions Arthur Younger, a famous lecturer of nearly unparalleled skill, was fond of saying that “until you have done 50 trials you are not a trial lawyer. My condolences to the first 50 clients.”
08/29/21	The Federal Reserve is failing America	Washington Examiner	The Federal Reserve is failing America The debate over inflation is getting more intense. At the end of July, yearly price increases reached 5.4%, fueling a new round of debate between inflation doves and inflation hawks. Doves suggest price hikes are a temporary blip that will recede once the production bottlenecks caused by the pandemic resolve. Hawks think a plummeting dollar is here to stay, pointing to the massive increase in the money supply since 2020. We’re in the middle of the hottest economic controversy since the battle over the causes of the 2008 financial crisis.
08/29/21	VA offering mortgage relief to thousands of veterans at risk of foreclosure	WJHL	VA offering mortgage relief to thousands of veterans at risk of foreclosure Thousands of veterans and their families are in danger of losing their homes due to the COVID-19 pandemic. A new government-wide effort could help them keep a roof over their heads.
08/28/21	Why the Fed is about to stop the party on Wall Street (and what it means for you)	CNN	Why the Fed is about to stop the party on Wall Street (and what it means for you) It's basically official at this point: The Federal Reserve will soon wind down its pandemic-era stimulus measures, a process Wall Street nerds call "tapering." But what, exactly, does that mean? And why does it put investors on edge?
08/28/21	Conspiracy? Maybe Not!	Clouded Titles Blog	Conspiracy? Maybe Not! WILL THE MORATORIUMS EVER END? Of course they will … the U.S. Supreme Court just ruled (6-3) against the Biden Administration’s revised version of the CDC-imposed moratorium. You knew it would happen at some point.
08/27/21	The Promise: Examinations of Initial Foreclosure Claims	Living Lies	The Promise: Examinations of Initial Foreclosure Claims The current foreclosure marketplace consists almost entirely of “next claimants” without successors. the task of the legal practitioner or pro se homeowner is to attack the facial validity
08/27/21	Waters Statement on Supreme Court Decision to End CDC Eviction Moratorium	Fountain City News	Waters Statement on Supreme Court Decision to End CDC Eviction Moratorium WASHINGTON, D.C. - Today, Congresswoman Maxine Waters (D-CA), Chairwoman of the House Committee on Financial Services, issued the following statement following a 6-3 Supreme Court decision that ended the Centers for Disease Control and Prevention (CDC) eviction moratorium.
08/27/21	Foreclosure rates for all 50 states in July	MSN	Foreclosure rates for all 50 states in July Foreclosure rates in July 2021 The number of U.S. properties with foreclosure filings in July was 12,483, according to ATTOM Data Solutions. This is up roughly 40% from July last year,
08/26/21	Supreme Court throws out Biden administration eviction moratorium	CNN	Supreme Court throws out Biden administration eviction moratorium The Supreme Court on Thursday blocked the Biden administration's Covid-related eviction moratorium. "Congress was on notice that a further extension would almost surely require new legislation, yet it failed to act
08/26/21	Other relevant issues	Clouded Titles Blog	Other relevant issues If you look at the bottom of the Clouded Titles Blog page, you’ll notice at the end of the script at the very bottom, it says “… and other relevant issues.” There was a reason for adding this phrase because from time to time, consumers can (and are being) affected by more than just foreclosure.
08/26/21	The SEC Is Allowing 5-Count Felon JPMorgan Chase to Trade Its Own Bank Stock in its Own Dark Pools	Wall Street On Parade	The SEC Is Allowing 5-Count Felon JPMorgan Chase to Trade Its Own Bank Stock in its Own Dark Pools JPMorgan Chase is unique among the mega banks on Wall Street – and not in a good way. It owns the largest federally-insured bank in the United States despite a rap sheet that would make the Gambino crime family jealous.
08/25/21	Hearsay Rule Defined	Living Lies	Hearsay Rule Defined The hearsay rule and exceptions to it are deceptively simple. It is the application of the rule and exceptions that are complicated.
08/25/21	Adverse Possession is NOT an option	Living Lies	Adverse Possession is NOT an option Stop talking about it. It is a distraction from the real facts — that the claimant has no claim and may not even exist. Don’t pay any money to anyone who promises a quick fix to your foreclosure problem. It can only be successful if
08/25/21	The Secret Bias Hidden in Mortgage-Approval Algorithms	TheMarkup	The Secret Bias Hidden in Mortgage-Approval Algorithms Nationally, loan applicants of color were 40%–80% more likely to be denied than their White counterparts In certain metro areas, the disparity was greater than 250% Even accounting for factors lenders said would explain disparities, people of color are denied mortgages at significantly higher rates than White people
08/24/21	Federal Judge Dismisses Investor Lawsuit Against Housing Agency	WBUR	Federal Judge Dismisses Investor Lawsuit Against Housing Agency A federal judge in Seattle on Tuesday dismissed a lawsuit brought by an investment firm against the Washington state housing commission, in a case that’s been widely watched by housing officials in Massachusetts and around the country.
08/24/21	$1, $10, other valuable consideration — what was the other valuable consideration?	Living Lies	$1, $10, other valuable consideration — what was the other valuable consideration? The musical chairs element of parties and instruments is designed to confuse homeowners and lawyers and suppress challenges. It is part of the Wall Street playbook becasue it works without challenge.
08/23/21	Three of the Fed’s Wall Street Bailout Programs Vanish from Its Monthly Reports to Congress	Wall Street On Parade	Three of the Fed’s Wall Street Bailout Programs Vanish from Its Monthly Reports to Congress Federal Reserve Chairman Jerome Powell and Fed Vice Chairman for Supervision, Randal Quarles, would desperately like to make three of the Fed’s emergency bailout programs to Wall Street disappear from further scrutiny by Congress or the American people.
08/23/21	SECURITIZATION IS THE OPIOID OF WALL STREET. It will eventually bring destruction	Living Lies	SECURITIZATION IS THE OPIOID OF WALL STREET. It will eventually bring destruction There are only two times the transaction with homeowners is characterized as a loan. First when the homeowner signed the documents, thinking it was a loan. Second when the players come back to the table with false claims for enforcement
08/23/21	ADVANCES, explained	Clouded Titles Blog	ADVANCES, explained THE VALUE OF THE LAND RECORDS Most homeowners that retain counsel to look into matters involving foreclosure only scrape the tip of the iceberg when it comes to dealing with REMIC trusts. A REMIC (Real Estate Mortgage Investment Conduit) is a common law trust set up
08/20/21	QUESTIONS WE SHOULD BE ASKING	Clouded Titles Blog	QUESTIONS WE SHOULD BE ASKING THE VALUE OF THE LAND RECORDS Many homeowners who really understand what’s in the county land records (previously discussed in other articles on this blog) “get” the fact that checking these records often is like checking your credit history often by ordering credit reports and looking to see what’s posted there in the trade line items. This author has put together a book on the subject (The Credit Restoration Primer), which goes into detail about how to request and analyze the information contained within your credit report,
08/20/21	Investing in Ocwen Financial is Like Buying a Share in the Titanic	Living Lies	Investing in Ocwen Financial is Like Buying a Share in the Titanic The product being sold by OCWEN FINANCIAL SERVICES is its common stock — and probably its integrity
08/18/21	Is HUD and FHFA’s new agreement a game changer?	Housing Wire	Is HUD and FHFA’s new agreement a game changer? Memo of understanding formalizes coordination of existing and potential investigations
08/18/21	The Ethical Challenge to the Legal Profession in the Era of “Securitization”	Living Lies	The Ethical Challenge to the Legal Profession in the Era of “Securitization” Securitization, by definition, means the acquisition of an asset through payment for a security (e.g. “certificate”). If that event has not occurred, then there is no securitization.
08/18/21	FHFA proposes ambitious housing goals for GSEs	Housing Wire	FHFA proposes ambitious housing goals for GSEs Proposed housing goals would require Fannie and Freddie to increase mortgage purchases in minority and low-income communities
08/17/21	The Constitutional Problem: Wall Street Fundamentally Altered the “Lending” Transaction from Legal to Illegal	Living Lies	The Constitutional Problem: Wall Street Fundamentally Altered the “Lending” Transaction from Legal to Illegal The bottom line of a successful defense to Foreclosure Defense is that those who are successful understand that Wall Street changed the conventional home loan equation from legal to illegal. This is not a technical point.
08/16/21	Loans Were NOT Securitized. If you admit they were securitized you are admitting the claim for foreclosure.	Living Lies	Loans Were NOT Securitized. If you admit they were securitized you are admitting the claim for foreclosure. It is not correct to say that anything was securitized. Issuing securities does not mean the securitization of an asset occurred. The purchase of an option is not securitization of an asset even though the option is a new “security.”
08/15/21	New York Amends Foreclosure Requirements for Residential Mortgages	JD Supra	New York Amends Foreclosure Requirements for Residential Mortgages New York Governor Andrew Cuomo recently signed into law Senate Bill 5785 (SB 5785), which makes the affirmative allegation provisions that are currently available only for high-cost loans and subprime home loans applicable to foreclosures of residential mortgages covering one to four family dwellings.
08/15/21	Caution is needed in use of AI for lending	Pittsburgh Post-Gazette	Caution is needed in use of AI for lending Artificial intelligence has insinuated its way into our daily lives, whether we are aware. From opening our smartphones with facial recognition, to travel and commuting assistance, to personalizing our feeds on social media, AI is with us from dawn to dusk and beyond.

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