http://thehdn.org Empowering the American Homeowner Tue, 15 Dec 2009 09:38:58 +0000 http://backend.userland.com/rss092 en There is no simple answer to this question, but generally someone who is a good candidate for modifying his or her own loan is perseverant and does not take “no” for an answer. It’s not necessarily easy modifying your loan -- although it's getting easier. In some cases, it may be relatively painless, ... http://thehdn.org/2009/06/should-you-modify-your-own-loan/ Homeowners seem to be at the receiving end these days. But if they do a little planning and learn about certain services, they can stop the dreaded term of “foreclosure” from entering their life! If they are not facing foreclosure, still they should know about these methods because it can help ... http://thehdn.org/2009/06/why-homeowners-should-get-a-forensic-loan-audit/ Loan Modification Do-It-Yourself (Loan Mod D.I.Y.) Loan Mod D.I.Y. was created as an inexpensive solution for homeowners who can easily qualify for a loan modification and are prepared to do most of the work on their own. Benefits: Least expensive solution Online course and coaching NEW: one complementary service through Dec. 31, 2009 by mentioning offer ... http://thehdn.org/2009/06/loanmod-diy/ Attorney/Law Firm Loan Modification Program This program helps homeowners who may have a financial hardship but could afford their mortgage with a loan modification. We refer clients to a trusted attorney or law firm specializing in loan modification. Benefits: Most loan types qualify Other legal services available, including bankruptcy Have legal representation for a fraction ... http://thehdn.org/2009/06/law-firm-loan-modification/ H.E.L.P. Program (Homeowner Education and Legal Protection) The H.E.L.P program assist homeowners who may have been victims of predatory lending or put into so-called “toxic” loans. A significant percentage of loans originated during the mortgage boom were in violation of federal and/or state fair lending laws. We provide you with a forensic loan ... http://thehdn.org/2009/06/help-program/ The foreclosure process varies from state to state and is dependent upon whether your state is a judicial or non-judicial state and whether your state uses mortgages or deeds of trust for the purchase of property. Most states that use mortgages are judicial states, while most states that use deeds of trust, ... http://thehdn.org/2009/06/foreclosure-is-not-an-option/ It's been reported that up to 70% of mortgages originated during the "boom" years contained violations to the rights of borrowers under federal and state fair lending laws. These laws protect homeowners, and the discovery and documentation of violations can be invaluable for homeowners trying to negotiate a mortgage or loan modification.   For ... http://thehdn.org/2009/06/fair-lending-laws-protect-homeowners/