Short Refinance™ Mortgage Loan Workouts, Free Foreclosure Solutions, New Mortgage Loan Workouts Loan Modifications  Help for Homeowners Foreclsoures Default Extensions of Resets Paid Extensions of Recast Amortizations New TILA new Fair Debt Loan Workouts
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Share Appreciation Mortgage Products & Concepts
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Mortgage Loan Workouts
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Mortgage Modifications and Securitization of Mortgage Loans - CDOs of ABS

IRS Rev.Proc. 2008-28 | Loan Modifications | REMIC

IRS Rev. Proc. 2007-72 | Loan Modifications | REMIC

American Securitization Forum Loan Modification Dec 6, 2007

ASF Dec 2007

ASF Framework Streamlined Q&A Dec 2007

American Securitization Forum Loan Modification Statement June 2007

S&Ps New Guidelines - Modifications

Moodys Study - Only 1% ModificationsThur Far!

Joint Economic Committee Report Oct. 2007 Senator Charles E. Schumer, Chairman

Mortgage Loan Workouts
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CRITICAL SOLUTIONS TO DEFAULT & FORECLOSURE!
HELPING BANKS HELP PEOPLE!
Free Help for Homeowners
Help For Homeowners
Help Homeowners

H. R. 3915
New Bills or Laws - Congress

H.R. 3915 The Mortgage Reform and Anti-Predatory Lending Act of 2007

Forgiveness of Forgiveness of Mortgage Debt _ HR 3648, HR 1876, S 1394

Shadow Banking System
Price must be Paid for Risk, But it must be Affordable, And it Doesn’t have to be In Monthly Cash!
The Banking System Must Have Certainty with Private and/or Public Guarantees, Insurance & Liquidity!

 

Article - Whos Zooming Who? Solutions to the Hollow Promises of Wall Streets Shadow Banking System! Part 1

2007 Focus: Helping Homeowners Keep Their Homes, and
Lenders Keep Their Loans!

www.helphomeowners.org

 

 


HotNeutral

Mortgage Workouts Loan Modifications Help for Homeowners


Attorney Specialized Fast Loan Workouts & Infused Lender Risk & Loss Mitigation
Avoid Delays, Foreclosures & REOs! Critical Solutions for all Market Participants!
HotNeutral.Com™ | NeutralHotTransfers™ | BankRiskMitigation™ | Help4ThePeople™
Information line 800-770-0797 extension 702

foreclosure help for homeowners mortgage loan workout modification
Helping Homeowners Keep Their Homes, and
Lenders Keep Their Loans
!
Public Education Outreach Booklet


Borrowers don’t want to talk to their lender, servicer or the bank’s foreclosure attorney! The bank’s foreclosure attorney clearly has a potential conflict of interest that the borrower (and the lender) should want to avoid. HotNeutral™ obtains a waiver from all sides and negotiates the optimum deal without setting the borrower up for another fall, while infusing risk mitigation devices or techniques into the solution, to mitigate continuing liability! If a lender or servicer continues to do loan workouts without certain disclosures, waivers, and contractual solutions, liability will stay near your doorstep.

HotNeutralis a Neutral Hot-Transfer Loan Workout & Loss Mitigation Division for specialized fast loan-workouts, loss mitigation and layered infused bank risk mitigation. It is a solution to defaults and foreclosures for all market participants, including the borrower. Bulk scripts and loss mitigation lenders and servicers can assign files directly for prompt turnaround under pre-approved prescribed criteria and third party analytics. Don’t rush to foreclosure and waste months upon months with multiple BPO rebuttals and other departmental delays. For More Information email:Direct Contact: (949) 798-6206 | (949) 678-2218


Effective Lender Risk Mitigation & Homeowner Loan Workouts Must Also Include 4 Things:

THE 1st THREE ITEMS WILL HELP SOLVE THE RECENT DEFAULTS & FORECLOSURES THROUGH “LOAN WORKOUTS”; THE 4TH ITEM BELOW WILL HELP LEAD US TO A SOLUTION FOR THE FUTURE!

1. Public Education and Outreach | Help4ThePeople.Com: The 13 Homeowner Solutions to Avoiding Default & Foreclosure Booklet (available on www.help4thepeople.com) is a public education and outreach service for borrowers and should be used by all market participants. If the industry does not make an unprecedented public educational campaign to change the negative public perception of the possibilities of solving a default or foreclosure, the problem and its inherent risks will continue to grow.

Homeowners Public Education Information Line: 800-770-0797 ext701

2. TID - Truly Intelligent Disclosures™ - TID™ was created by Attorney Rydstrom and published by the 110th Congress on the problems and solutions facing the middle class, homeownership and retirement. “We don’t need more disclosures for disclosure sake. We don’t need new restrictive laws. We need less of both. However, we do need truly intelligent disclosures. Accepting TID™ is a defining moment in the industry. TID™ is a suitability disclosure with a waiver (plus). It protects the banks as well as the borrowers (and investors). Click for more on TID.

3. SHILO - Safe Harbor Intelligent Loan Options - SHILO™ was created by Attorney Rydstrom and published by the 110th Congress on the problems and solutions facing the middle class, homeownership and retirement. We don’t need more laws when we can use SHILO - which will reduce defaults and foreclosures “contractually”! SHILO is “contractual safe harbor” loan option provisions placed in the loan origination, refinance and loan workout documents upfront. This will protect the lender and industry as well as the borrower. Click for more on SHILO.

THE 1st THREE ITEMS WILL SOLVE THE RECENT DEFAULTS & FORECLOSURES, THE 4TH ITEM WILL LEAD US TO A SOLUTION FOR THE FUTURE!

4. FMII - Foreclosure Mortgage Insurance Investment Funds™ -

Long-Term Solution: To Avoid Repeat of Mortgage Meltdown:

FMII™ - Foreclosure Mortgage Insurance Investment Funds™ - FMII™ (DMII™, BMII™, etc.) was created by Attorney Rydstrom and published by the 110th Congress on the problems and solutions facing the middle class, homeownership and retirement. “Risk must be paid for, or the price risk formula will be corrupt. There should be no free lunches, but that doesn’t have to mean the price for extra risk can’t be paid by an insured investment fund trading that risk-benefit on Wall Street, potentially building billions if not trillions in national equity. This is how we can reduce “market uncertainty” and “avoid market and loss extremes” while at the same time save millions of homeowners from being thrown out on the streets. Yes, it is simply silly to expect one who can’t afford something to pay extra with “monthly cash” that they don’t have. My experiences working on Wall Street taught me that “price” can be paid with non-cash items, or “cash-equivalents” and “non-cash” risk mitigation devices or insured investment traded funds. Hedge funds and private equity are uniquely poised to “help” us solve this problem, if we call on them.” Click for more on FMI, DMI, BMI, etc.

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Mortgage Meltdown Wall Street Investment Bank Securitization Loan Pools
loansecuritizations.com

Mortgage Meltdown Securitization Trust Assignee Liability Buy Back Repurchase Mortgage Demands Litigation Settlement Workouts
assigneeliability.org
assigneeliability.net
loanassigneeliability.com
buybacklitigation.com

Mortgage Meltdown Homeowner Solutions – Help for Homeowners – Help for Borrowers – Forbearance, Repayment, Reinstatement, Short Refinance, Refinance, Loan Modifications, etc.

helphomeowners.org
help4thepeople.com
homeownerskeephomeslenderskeeploans.org
keephomeskeeploans.org

HUD Type Loan Workouts Public Outreach Community Borrower Homeowner Booklet - Loan Workouts – Loss Mitigation
helpforthepeople.com
helpforthepeople.org
help4thepeople.org
helphomeowners.net

Mortgage Disclosures – TILA – Suitability Duty – TID™
trulyintelligentdisclosures.com
tiddisclosure.com
tidwaiver.com
tidconsent.com
suitabilityconsent.com
suitabilitywaiver.com
suitabilitydisclosure.com

Mortgage Loan Safe Harbor Mortgage Loan Documents – Contract Loan Workouts – Shilo™
shiloloans.com
safeharborintelligentloanoptions.com

Mortgage Loan Workout – Short Refinance
shortrefiforyou.com
shortrefinance.com
shortrefi4you.com
shortrefi.com

Mortgage Foreclosure Short Sale Uncertainty – Refinance Deficiency Liability Judgments
refideficiencyjudgment.com

Mortgage Meltdown Shadow Banking System Solutions – Market Devaluation, Homes Prices, Congressional Solutions, SIVs Rescue Funds, FMII™
shadowbanking.com
shadowbankingsystem.com
shadowbankingsystem.org
shadowbankingsystem.net
shadowbanking.net
marketdevaluation.org
marketdevaluation.com
marketdevaluation.net
marketuncertainty.com
freebutresponsibleopenmarkets.org
fbrom.org
ccoom.org
congressionalopenmarketcommittee.org
congressionalconferenceonopenmarkets.org
equitybuildingrescuefunds.org
equitybuildingbailoutfunds.org

Mortgage Short Sales Loan Workouts
shortsaleuncertainty.com

Mortgage Laws Congress
fbrom.org
ccoom.org

Mortgage Laws States
fbrom.org
ccoom.org

Mortgage Market Protections Mortgage Loan Appraisers
help4theappraiser.com

Mortgage Market Protections Mortgage Loan Servicers
help4theservicers.com
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helptheservicers.com

Mortgage Market Protections Mortgage Loan Investors
help4theinvestors.com
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Mortgage Market Protections Mortgage Loan Brokers
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Mortgage Market Protections Mortgage Lenders
helpforthelender.com
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help4thelender.com
help4lenders.com

Mortgage Market Protections Credit Bureaus
help4thecreditbureaus.com
help4thecreditbureau.com

Mortgage Market Protections Real Estate Realtor
help4therealtor.com

Mortgage Meltdown Consultants Attorneys - Hot Neutral - Loan Workouts - Foreclosure Consultants
procouncil.com
www.procouncil.com
hotneutral.com
neutralhottransfer.com
confidentialstrategy.com
subprimelegalgroup.com
877win4you.com
migsc.com
smicg.com
subprimelawgroup.com
sscmig.com
scmig.com

News Articles Blogs
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Optimal Best Practices
optimalbestpractices.com

 

 


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