After a death in the family or a divorce, financial hardship often follows. The heir or ex-spouse trying to save the home from foreclosure may not have been an original borrower on the mortgage loan. Mortgage servicers sometimes refuse to provide any information or claim that such a non-borrower cannot apply for a loan modification. [...]
Medley of Mortgage Issues: In this webinar, our presenters will provide updates on various mortgage-related programs including FHA loss mitigation, new reverse mortgage rules, the applicability of the ATR rule for successors in interest, deficiency judgments, and an overview of the latest mortgage servicing rules proposed by the CFPB. Presenters: Geoff Walsh and Odette Williamson, [...]
The family home is often viewed as a pillar of stability and economic well-being. But, death and divorce are two events that can rock families to their core. These events are often coupled with financial distress and can lead to the loss of the home. Mortgage servicers treatment of surviving spouses and divorcees too frequently [...]
This webinar will discuss the FTCs new consumer education campaign for active older people – Pass It On. The campaign is based on the idea that older adults – a huge group with life experience and social networks – are part of the solution, not simply the victims of scammers. Pass It On acknowledges their [...]
This webinar will review the existing guidance and developing caselaw on the rights of successors in interest (heirs, divorcing spouses, and other intra-family transferees) to assume and modify mortgage loans. This Webinar is provided by the National Consumer Law Center and the Legal Assistance Foundation (LAF) of Chicago with a grant from the Office of [...]
The senior population of the United States is expected to grow rapidly over the next twenty years. Rather than enjoying their golden years, increasingly older Americans are struggling with less income, greater debt and insufficient retirement savings. The average amount of debt held by seniors has soared over the last decade. Many now rely on [...]
This is Part 2 of the webinar covering the privately enforceable mortgage servicing regulations under RESPA that go into effect on January 10, 2014. This session will focus on the Regulation X provisions dealing with early intervention, continuity of contact, and loss mitigation procedures (including dual tracking). San Francisco-based housing advocacy center, the National Housing [...]
This webinar will cover the privately enforceable mortgage servicing regulations under RESPA and TILA that go into effect on January 10, 2014. Learn how the qualified written request procedure under RESPA has been completely changed. Part 1 will also cover new regulations on force-placed insurance, requests for identity of mortgage owner, mortgage payment application, payoff [...]
In this webinar we review the legal structure of reverse mortgages and ways to defend their foreclosure, including enforcing mandatory escrow repayment schedules, 95% LTV payoffs, etc. Presenter: Tara Twomey, of counsel, National Consumer Law Center This Webinar is provided by the National Consumer Law Center and the Legal Assistance Foundation (LAF) of Chicago with [...]
This webinar will introduce the basic structure of the federal Home Affordable Modification Program (HAMP) and place it in the context of other available modification programs. We will review topics including eligibility, how modifications are done, and servicer requirements for timing and notice. Updates on recent developments will be included. San Francisco-based housing advocacy center, [...]
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