By the Lending Lies Team Fannie Mae and Freddie Mac have introduced a new loan modification option called Flex Modification. This program replaces HAMP (Home Affordable Modification Program), the Standard Modification, and the Streamlined Modification. On paper, it’s designed to reduce monthly payments for troubled borrowers. In practice, it may also serve another purpose: to […]

Tags: Fannie MAe, flex modification, Freddie Mac, HAMP, LOAN MODIFICATION
Posted in discovery, Fabrication of documents |

So you just received that dreaded letter in the mail announcing that a loan servicer who likely never loaned you a dime is going to foreclose on your home.  Your adrenaline rockets through your veins, you go into Fight or Flight mode and at some point you say, “Holy sh*t- what do I do now?” […]

Tags: foreclosure 101, foreclosure due diligence, lendinglies, Livinglies
Posted in discovery, evidence, Fabrication of documents, foreclosure defenses |

  I started thinking about different procedural matters that are the likely subject of objections that could be sustained by a trial judge and would most likely be affirmed by an appellate court. As for the authority of the BKR judge, the appropriate objection would seem to be that the court is not really a […]

Tags: foreclosure defense
Posted in Corruption, Fabrication of documents, foreclosure defenses, Foreclosure Questions |