Stopping Foreclosure in California

Most homeowners believe the reason they’re behind on mortgage payments is important to their lender, but it is not.  Stopping foreclosure in California really has very little to do with why the homeowner stopped making payments.  It is much more about exercising legal rights, and working within the lenders guidelines to get the sale date […]

News from The Consumer Financial Protection Bureau

The Consumer Financial Protection Bureau (CFPB), a government agency, recently released the nation’s largest public database of federal consumer financial complaints. This database includes details about more than 90,000 individual complaints on five types of products and services: consumer loans, bank accounts or bank services, mortgages, credit cards and student loans. The majority of complaints, […]

Does Your Foreclosure Qualify for Review?

We have good news to report for Americans who lost their homes due to foreclosure between January 1, 2009 and December 31, 2010. Federal authorities have launched a nationwide review of all foreclosures that occurred during this time period. This is one of the largest reviews of this nature launched the government. Homeowners are eligible […]

Citibank Mortgage Foreclosure Help | Citimortgage Loan Modification

As a loan modification and foreclosure defense attorney, many people ask me how they can get help to stop a Citibank or Citimortgage foreclosure. Although it can seem like a long and hopeless process, there are programs to assist Citibank borrowers and provide Citibank mortgage foreclosure help. Citibank Mortgage Foreclosure Programs Like most large institutional […]

Homeowner Costs: The Unspoken Reality of Hidden & Sunk Costs

Recently, we’ve talked a lot about the hard costs of owning a home. We’ve discussed the costs of borrowing money from the bank, interest rates, mortgages, second mortgages, and the varying value of your investment as the housing market declines and recovers. When faced with the unfortunate prospect of foreclosure, these hard costs are often […]

California: The State of the Housing Market

The end of summer has brought some relatively good news to the housing market. Data shows that home prices are starting to increase, improving conditions for underwater borrowers who owe more on their homes than these properties are worth. CoreLogic estimates that many underwater borrowers have homes that are worth only about 5% less than […]