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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I love this guy!!!

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O -

I bet there are lot's of people that record their calls. Good video!

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Hi to all that know us and some that don't,

We're still fighting, had a little health issue that the court didn't feel just cause to give me an extension of time. 

Got an infection from oral surgery11/17/08, no antibiotics prescribed, incredible pain, emergency room 12/19 and 20, admitted to hospital by emergency on 12/22/08.  Spent 19 days in ICU, 9 in and induced coma, at least three of those days Stacy was told I had a less than 50% chance to live.  Blood went septic and I had complete kidney failure.  Dismissed from hospital February 3, 2009 after they removed my trache tube.  Had attended rehab, learned to walk again, speach is still difficult and have long and short tem memory loss and my hairline is receding.  LOL!

Still rehabbing, Stacy hasn't been able to work until just recently.  She took good care of me.  Her side of the story is that I had it easy, I had a bed and all the good drugs, while she slept on a bench in the lobby.  She never left and is still working with me at the wellness center.

I just looked at the video above, I don't post much now but I wanted ya'll to know that I am still fighting with the Federal Court and I have just petitioned the appellate court to allow us to appeal.

Don't give up!  Don't let them win!  It's our home! 

There will be a time when I can post some documents and filings.  Sometimes right and justice is a far reach but if I can do it, everyone can. 

Best to ALL!

Now if I could just remember my name????  
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Bob: I sure hope you are starting to feel better now.  I can't imagine any dentist doing surgery without antibiotics although there are some dinos who do.  I would definately report this one to the state dental association!
Best of luck,
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Go check out all of pcfilms youtube videos.  Bob's video is there too!

This is all part of a documentary that will be coming out.

Best wishes to you, and your family Bob.  We love ya!

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4 Justice Now

It's very encouraging to hear that you guys are still out there fighting for your rights of home ownership, etc. I'm very glad to see that you still have a good sense of humor.

Thank-you for all your hard work!


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Litton's spokeswoman

Interest rates fall, credit loosens, but be prepared for reams of paperwork

Buzz up!

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First-time homebuyers and those thinking about refinancing are in a great place.

Mortgage rates just fell for the third straight week, according to mortgage finance firm Freddie Mac.

"The credit markets are still tight, but they have loosened up significantly from 90 days ago," said Scott Norman, vice president of the Texas Mortgage Bankers Association.

So is this a good time to enter a mortgage transaction? It might be, if you can qualify.

"The two biggest issues are going to be credit and down payment," Norman said. "Those are really going to trigger your ability to get a mortgage in a decent amount of time."

Here's what you're up against in specific mortgage situations and what you can do to increase your chances of getting a deal done.

If you're buying a home

Get ready for paperwork. Have your bank statements, W-2 wage and tax statement and pay stubs organized.

"Overdocumentation is the name of the game right now," said Linda Davidson, senior loan officer at Service First Mortgage in Garland, Texas. "We're going to ask for your blood and urine and your third-grade report card. It almost feels that way."

Having all the documents upfront will speed the application process.

Check your credit score. The most widely used score is the FICO, which ranges from 300 to 850.

Your score, based on information in your credit report, helps lenders predict how likely you are to make your payments on time. The higher the number, the better the chance you'll be approved for a loan at a low interest rate.

"Clean up your credit score," Norman said. Catch up on any late payments and pay off or pay down your debt.

First-time buyers have a sweetener in the form of an $8,000 credit on federal income taxes for homes purchased before Dec. 1.

It's critical that you have a down payment because lenders want to see that you have skin in the game. Mortgages insured by the Federal Housing Administration require a 3.5 percent down payment, which can come from a family member, employer or charitable organization as a gift.

For a non-FHA-insured loan, lenders are requiring a 10 percent down payment, said real estate agent Brenda Rogers of Coldwell Banker Apex, Realtors in Plano, Texas.

If you're refinancing

"Have plenty of equity," Rogers said. Equity represents the ownership value you've accumulated over time by making payments, and lenders want you to have a financial stake in the refinancing.

"The lender doesn't want to lend 100 percent of the value of the property," said Norman, of the Texas Mortgage Bankers Association.

Another reason to build equity is that you don't want to owe more on your home than it's worth, a situation some homeowners face today. Most Dallas-area neighborhoods saw price declines in the first half of this year from the same period in 2008.

Consider how long you plan to remain in your home, because you need to stay long enough to recoup closing costs associated with refinancing.

Those costs typically will total $3,000 to $5,000, said Davidson, of Service First Mortgage.

"If you're going to move out of your home in five years or less, then typically it's not going to be worth your doing," she said. "If you plan on staying longer than that, then we need to look at the costs vs. the monthly savings to see how long it will take to recoup that cost."

Sometimes things outside your control can affect your attempt to refinance.

Rachel Kelley of Plano said she's been trying to refinance with Bank of America, which last year acquired her original lender, Countrywide Financial Corp.

Kelley, a medical writer, ran into financial trouble after her work was cut to part time.

"I cannot afford my house payment anymore," she said.

She said her repeated attempts to get more information from Bank of America on how to refinance her home through the Obama administration's Making Home Affordable refinancing program have been unsuccessful.

"I spoke to several people, probably about seven to 10 people, trying to get information about the program and what I needed to do to refinance," Kelley said. "It is very likely I will be behind on my payments in the near future due to their inability to get me the proper information on time in order to refinance."

Bank of America officials didn't return calls seeking comment.

Loan modifications

A loan modification is when a lender changes the terms of your loan so you can afford your payments.

That can be done by lengthening the term of your loan, lowering your interest rate or allowing you to skip payments and adding those to the end of your loan.

The Obama administration is prodding mortgage-servicing companies to bolster their efforts to modify troubled loans. The servicer is the company that collects and processes your mortgage payment. It may or may not be your original lender.

If you're having trouble making your payment, contact your servicer immediately and ask about a loan modification.

Celina Gallegos of Arlington, Texas, who holds jobs as a housekeeper and receiving clerk, is trying to get a loan modification because the loss of some housekeeping clients has cut her income.

"I just want to be a good example for my son," she said through an interpreter. "I don't want him to see his mother lose her house."

Officials of Litton Loan Servicing said they were evaluating Gallegos' situation.

"We're actually — we think within days — of finalizing our review, and we're hoping that we can get a workout done that's going to be favorable for her," said Donna Marie Jendritza, a Litton spokeswoman.

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Subprime Blues
Subterranean Subprime Blues
Subterranean Subprime Blues
YouTube - Subterranean Subprime Blues
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karma is a beoch ...much like ...hmm
please just go away
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