Mortgage Servicing & Foreclosures Archives

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Sample Request for Information Under RESPA to Obtain Identity of Mortgage Owner

January 1, 2014

The form written request copied below can be used to obtain from the servicer of the debtor’s mortgage information about the owner of the mortgage. This information is particularly useful in determining the proper party in foreclosure proceedings, for exercising rescission rights, for naming the proper party in bankruptcy lien strip off and claim objection…

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Recommendations to Improve FHA’s Foreclosure Avoidance Program

March 1, 2020

The U.S. Department of Housing and Urban Development’s Federal Housing Administration insures mortgage loans made by private lenders to encourage the lenders to make home loans to low- and moderate-income homeowners. Borrowers with FHA-insured mortgages who experience financial hardship during their mortgage term may be eligible for FHA’s loss mitigation program, which includes options, such as loan modifications, to enable them to save their homes.

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Coalition Recommendations for Treasury Department Implementation of the Homeowner Assistance Fund

March 17, 2021

Recommendations by Americans For Financial Reform Coalition for Treasury Department Implementation of the Homeowner Assistance Fund

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Proposed CDFI Program—Certification Application

November 5, 2020

CDFIs are uniquely suited to promote community development and expand financial inclusion.At times, however, we see CDFIs use “financial inclusion” as the central purported justificationfor permitting irresponsible lending practices, unreasonably high interest rates, and erosion oflongstanding consumer protections.

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Obtaining Mortgage Relief for Victims of Disasters: A Practice Guide for Advocates

February 15, 2020

When homeowners are struggling to make their mortgage payments after a major disaster, it is critical for their advocates to understand the different programs and protections enacted for their support. The majority of mortgage loans (three out of five) made in the United States are government-sponsored or government-insured, and, as a result, the rules governing…

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NCLC, CFA, and Prosperity Now Comments to the CFPB Regarding Qualified Mortgage Definition Under the Truth-In-Lending Act (Regulation Z)

April 5, 2021

Group letter to support the CFPB's proposed rule to delay the mandatory compliance date of the revised Qualified Mortgage (QM) definition to October 1, 2022

Read More about NCLC, CFA, and Prosperity Now Comments to the CFPB Regarding Qualified Mortgage Definition Under the Truth-In-Lending Act (Regulation Z)

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Sample Request for Information Under RESPA to Obtain Identity of Mortgage Owner

Recommendations to Improve FHA’s Foreclosure Avoidance Program

Coalition Recommendations for Treasury Department Implementation of the Homeowner Assistance Fund

Proposed CDFI Program—Certification Application

Obtaining Mortgage Relief for Victims of Disasters: A Practice Guide for Advocates

NCLC, CFA, and Prosperity Now Comments to the CFPB Regarding Qualified Mortgage Definition Under the Truth-In-Lending Act (Regulation Z)

Support NCLC