Mortgage Servicing Fraud
occurs post loan origination when mortgage servicers use false statements and book-keeping entries, fabricated assignments, forged signatures and utter counterfeit intangible Notes to take a homeowner's property and equity.
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Hi,
 I just learned of this site tonight as I was reading another, it was an awful story how a lady and her husband are both retired and have Saxon as their lender, she tried to have her Realtor work a short sale and the lender wouldnt even speak to her..

I work as a loss mitigator for a Mortgage company in Burbank and I am on the phone daily with different lenders.
Most (if not all) will not even consider a short sale unless you have a buyer for the property. it will also refuse to talk to you unless you have a complete "package " to send in to them.

By package I mean, you should have the following:
1. a borrowers Authorization to speak to the lender
2. a property profile
3. financial records (2 months Bank statements, tax returns)
4. a hard ship letter, the more detailed it is the better
5. an offer
6 a listing agreement

I am willing to help you out if I can. You may email me and I will assit you in any way.

Christina
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