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It is only when the real flow of documents and the real flow of money is analyzed that you can see the pattern of deception designed to screw the investors, screw the homeowners and run with the money and now, through illegal and improper foreclosures, they run with the property too.

If your home loan was made within the past 4-5 years, there is almost a 100% chance that it violates one or more of the laws relating to RESPA, TILA or Section 32 . . .

10 points to consider on loan modifications

Marin’s job and foreclosure rates alone tell of the coming storm. The county’s unemployment rate leaped to 6.8 percent in February, up from 5.4 percent in December, according to the most recent figures at the state Employment Development Department. That’s still the lowest of any county in California, and far below the state’s overall jobless rate of 10.5 percent. But it’s not expected to go down soon.

Just yesterday, I heard a knowledgable non-profit executive say that “many people think they brought this upon themselves.” The “they” she was referring to are homeowners facing foreclosure. As mentioned throughout this blog, 18 million homes are vacant in the U.S.; banks are walking away from them; squatters (sometimes the original owners) are living in them.

Thank you for contacting me to express your concerns about housing market reforms and foreclosure prevention legislation. I recognize how important this issue is and appreciate hearing your thoughts.