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  • 00:35

    THE DAILY COMPLAINT(CALIBER HOME LOANS/SELENE FINANCE/LOAN MOD SUCCESS STORIES)

    in Finance

    TODAY'S SPOTLIGHT:


    CALIBER HOME LOANS FREDDIE MAC MHA HAMP LOAN MODIFICATION SUCCESS STORY (FHFA)  & SELENE FINANCE PRIVATE INVESTOR FORBEARANCE AGREEMENT SUCCESS STORY (NY DFS)


    "the daily complaint"


    Every weekday we answer client complaints on The Daily Complaint to provide direction and resources for both the person complaining as well as other consumers experiencing similar issues whether it be mortgage fraud, loan servicing escrow issues, loan modification runarounds or denials, short sale refusals, deed in lieu negotiations and credit card debt collector abuses and fraud violations.


    I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" like Bank of America and Citi but yet don't appreciate the bailout that we provided in their time of need.  The debt collectors like Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.  


    We are committed to answering consumer complaints and addressing everyday credit and debt issues on The Daily Complaint and I thank you for your continued support!


    We hope you enjoy the Show...


     


    Dana Shafman


    Managing Member


    END Consulting


    Phone (888) 234-7006 Ext 101


    Fax (888) 234-7096


    Dana@ConsultingEND.com


     


    Every new beginning comes from some other beginning's END!


    THE DAILY COMPLAINT - LIVE WEEKDAYS AT 8:30 AM PT (CA) & 11:30 AM ET (NY)

  • 00:34

    Alternative Mortgage Lending, Janc/Morgensen - Angel Oak Home Loans

    in Finance

    Although some investors are still holding tight to credit standards, mortgage credit availability loosened last month, according to a recent Mortgage Bankers Association report.  The MBA concluded that the Mortgage Credit Availability Index (MCAI) increased 0.5 percent to 122 in April.


    Of the index’s four components, Government lending saw the greatest easing and was up 1.1 percent over the month. The Jumbo index increased of 0.8 percent and the Conforming index saw an increase of 0.2 percent. The Conventional index decreased 0.6 percent.


    It appears the increase was driven by new offerings of FHA’s 203(k) home improvement program, new VA offerings and new jumbo products. The increase was partially offset by some investors tightening underwriting criteria on conventional cash out offerings.”


    Joining me today to discuss alternative mortgage lending is Lee Janc, a Strategy and Business Development Executive for the Financial Service Industry and Eric Morgensen of Angel Oak Home Loans.  Angel Oak Home Loans serves both the Retail and the Wholesale markets and specializes in non-conforming products.


     

  • 00:10

    Alvarez v. BAC Home Loans case overview

    in Legal

    Loan Modification Negligence


    When you are trying to fight for your home in the loss mitigation loan modification process, it is no laughing matter.  You are submitting the documents being requested and hoping you will not be "dual tracked" by your loan servicer who is usually servicing your loan on behalf of an often unkown securitized loan trustee, and you wonder if you will get a fair shake, or a real opportunity to save your home.  This real estate podcast talks about what happens when your loan servicer is negligent in handling or reviewing your completed loan modification application.


    Introduction


    One of the legal cases every homeowner should have in their foreclosure prevention toolbox is the case of Alvarez v. BAC Home Loans, LP (Bank of America).  Some of the common things that can go wrong when you submit your financial documents to be consdiered for a loan mod are:


    1. False statements by the loan servicer's representative


    2.  Claiming your documents were never received ("missing tax returns" and "rental agreements" are two common ones)


    3.  Denying you based upon consideration of false information (ex. your income or property value)


    4.  Lies about postponing your foreclosure sale


    There are other types of things that can wrong in the loss mitigation department of large loan servicers such as Nationstar, Ocwen, Wells Fargo, Citimortage, and Bank of America, but this Alvarez case is a very important case that discussed "duty" and "damages" in regard to the tort of negligence against a loan servicer.  Give this real estate podcast a listen with Attorney Steve explaining and defining these important and complex legal topics.

  • 00:34

    THE DAILY COMPLAINT (CALIBER HOME LOANS/MHA HAMP DENIAL/KNOW YOUR RIGHTS/CFPB)

    in Finance

    TODAY'S SPOTLIGHT:


    CALIBER HOME LOANS MAKING HOME AFFORDABLE HOME AFFORDABLE MODIFICATION PROGRAM LOAN MODIFICATION BASICS & DENIALS KNOW YOUR RIGHTS US DEPARTMENT OF TREASURY CFPB


    "the daily complaint"


    Every weekday we answer client complaints on The Daily Complaint to provide direction and resources for both the person complaining as well as other consumers experiencing similar issues whether it be mortgage fraud, loan servicing escrow issues, loan modification runarounds or denials, short sale refusals, deed in lieu negotiations and credit card debt collector abuses and fraud violations.


    I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" like Bank of America and Citi but yet don't appreciate the bailout that we provided in their time of need.  The debt collectors like Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.  


    We are committed to answering consumer complaints and addressing everyday credit and debt issues on The Daily Complaint and I thank you for your continued support!


    We hope you enjoy the Show...


     


    Dana Shafman


    Managing Member


    END Consulting


    Phone (888) 234-7006 Ext 101


    Fax (888) 234-7096


    Dana@ConsultingEND.com


     


    Every new beginning comes from some other beginning's END!


    THE DAILY COMPLAINT - LIVE WEEKDAYS AT 8:30 AM PT (CA) & 11:30 AM ET (NY)

  • 00:31

    THE DAILY COMPLAINT (CALIBER HOME LOANS/UNAPPLIED PMTS/REFINANCE BLOCKING/CFPB)

    in Finance

    TODAY'S SPOTLIGHT:


    CALIBER HOME LOANS UNAPPLIED PAYMENTS FALSE CREDIT REPORTING REFINANCE BLOCKING MORTGAGE SERVICING VIOLATIONS (UDAAP) CFPB CREDIT REPORTING COMPLAINTS AND FACTS


    "the daily complaint"


    Every weekday we answer client complaints on The Daily Complaint to provide direction and resources for both the person complaining as well as other consumers experiencing similar issues whether it be mortgage fraud, loan servicing escrow issues, loan modification runarounds or denials, short sale refusals, deed in lieu negotiations and credit card debt collector abuses and fraud violations.


    I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" like Bank of America and Citi but yet don't appreciate the bailout that we provided in their time of need.  The debt collectors like Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.  


    We are committed to answering consumer complaints and addressing everyday credit and debt issues on The Daily Complaint and I thank you for your continued support!


    We hope you enjoy the Show...


     


    Dana Shafman


    Managing Member


    END Consulting


    Phone (888) 234-7006 Ext 101


    Fax (888) 234-7096


    Dana@ConsultingEND.com


     


    Every new beginning comes from some other beginning's END!


    THE DAILY COMPLAINT - LIVE WEEKDAYS AT 8:30 AM PT (CA) & 11:30 AM ET (NY)

  • 00:35

    THE DAILY COMPLAINT (CALIBER HOME LOANS/SALE STOPPED/DUAL-TRACKING/STRATEGY/MHA)

    in Finance

    TODAY'S SPOTLIGHT:


    CALIBER HOME LOANS FREDDIE MAC MORTGAGE LOAN DUAL-TRACKING CFPB RESPA DODD-FRANK VIOLATIONS LIES RUNAROUNDS SALE DATE STOPPED SUCCESS STRATEGY CONSUMER RIGHTS MHA


    "the daily complaint"


    Every weekday we answer client complaints on The Daily Complaint to provide direction and resources for both the person complaining as well as other consumers experiencing similar issues whether it be mortgage fraud, loan servicing escrow issues, loan modification runarounds or denials, short sale refusals, deed in lieu negotiations and credit card debt collector abuses and fraud violations.


    I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" like Bank of America and Citi but yet don't appreciate the bailout that we provided in their time of need.  The debt collectors like Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.  


    We are committed to answering consumer complaints and addressing everyday credit and debt issues on The Daily Complaint and I thank you for your continued support!


    We hope you enjoy the Show...


     


    Dana Shafman


    Managing Member


    END Consulting


    Phone (888) 234-7006 Ext 101


    Fax (888) 234-7096


    Dana@ConsultingEND.com


    Every new beginning comes from some other beginning's END!


    THE DAILY COMPLAINT - LIVE WEEKDAYS AT 8:30 AM PT (CA) & 11:30 AM ET (NY)

  • 01:01

    VA Home Loans: Will It Work For You? Program Guidelines & Q &A

    in Military

    Join Family of a Vet Blog Talk Radio Show Life After Combat Caregiver Edition on Tuesday, March 4, 2014 from 6:30pm-7:30pm CST.  Show host Debbie Sprague, will be interviewing her guest Chris Endress, Professional Mortgage Broker about the most recent guidelines for VA Home Loans.  Chris believes that many people may be surprised to learn about the wide variety of home types, and financial


    Situations that qualify under today’s guidelines.  Chris will also provide a comparison of VA Home loans and other alternate loan programs, which are currently available, and provide information on VA Interest Rate Reduction Loans.  Debbie will go over frequently asked questions with Chris, and listeners are invited to call-in with questions.


     


    Listener Call-In number: (323) 657- 1470


     


    Have a question that you would like to ask, but can’t call-in?  Give Debbie the question on Facebook, via private message and she will include it on the show.


     


    Can’t Listen Live?  The show will be recorded, and you can return to this link at your convenience.

  • 00:34

    THE DAILY COMPLAINT (CALIBER HOME LOANS/LOAN MOD RUNAROUNDS/LIES/FDCPA/CFPB/MHA)

    in Finance

    TODAY'S SPOTLIGHT:


    CALIBER HOME LOANS FROM BANK OF AMERICA LOAN MODIFICATION RUNAROUNDS STRONG PROTECTIONS FOR STRUGGLING BORROWERS CFPB FDCPA RESPA MHA CONSUMER RIGHTS HELP


    "the daily complaint"


    Every weekday we answer client complaints on The Daily Complaint to provide direction and resources for both the person complaining as well as other consumers experiencing similar issues whether it be mortgage fraud, loan servicing escrow issues, loan modification runarounds or denials, short sale refusals, deed in lieu negotiations and credit card debt collector abuses and fraud violations.


    I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" like Bank of America and Citi but yet don't appreciate the bailout that we provided in their time of need.  The debt collectors like Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.  


    We are committed to answering consumer complaints and addressing everyday credit and debt issues on The Daily Complaint and I thank you for your continued support!


    We hope you enjoy the Show...


     


    Dana Shafman


    Managing Member


    END Consulting


    Phone (888) 234-7006 Ext 101


    Fax (888) 234-7096


    Dana@ConsultingEND.com


     


    Every new beginning comes from some other beginning's END!


    THE DAILY COMPLAINT - LIVE WEEKDAYS AT 8:30 AM PT (CA) & 11:30 AM ET (NY)

  • 00:30

    Hosting the Archangels- Angelic Ritual

    in Spirituality

    Fri July 24th 6:30pm est- Hosting the Archangels- Angelic Ritual
    Guest Lisa Jo Davis (Angel Card Reader, Angelic worker)


    https://www.facebook.com/groups/919046464786128/


    By Hosting The 6 Archangels In A Scared Ceremony – Michael, Gabriel, Raphael, Uriel, Metatron and Ariel – You are assisting them to serve You, Humanity and Mother Earth in more direct ways. 


    We will discuss what is an Angelic Ritual? What happens when you Host the Archangels and why you should do this. It will improve your connection with the angels, bring peace into your home and you will see and feel miracles! 

  • LowRush Music l.l.c. GOSPEL IS WHAT WE DO! lowrushmusic@att.net

    in Radio

    LowRush Music l.l.c. The New Joyful Sounds Selma, Al.Dallas ...


    www.blogtalkradio.com


    LowRush Music l.l.c. The New Joyful Sounds Selma, Al.Dallas Lockett and Leviticu 07/23 by Howcee Productions Gospel | Radio Podcasts


    Tonight CD The Talley Boys The New Keynotes------HOME "RecordedLive In Longview Texas"1.  HOME  2.  ONE CALL  3.  NEVER TURN MY BACK ON THE LORD  4.  NEVER SAY NO  5.  I'M STANDING  6.  I NEED MORE OF YOU  7.  PROMISE LAND  8.  I KNOW I'M BLESSED  DESTINY  10.  BE DONE  Booking Kenneth Talley 903 353 1542


    Pastor Dallas "Jail Bird" Lockett and Leviticus Musician/Band CD PERSON TO PERSON: 1. Person to Person 2. High As The Mountain 3. Jail Bird 4. Live So 5. I Know Someone 6. Son Up To Sun Down 7. People Need Christ 8. Safety Zone 9. Well Done 10. Simon Says 11. Hello Brother 12. I Feel Good 13. Say Hallelujah 14. you Lord  Booking Alvin Lowery 678 863 1049


    The New Joyful Sounds Selma, Al. Musician/Band CD May Not Have: 1. You Brought Me 2. Feel The Spirit 3. May Not Have 4. Try My God 5. Jesus Lifted Me 6. He'll Be Right Their 7. Depending On You 8. I rather Be With You 9. Celebrate Jesus Booking Tyrone Barnes 334 419 3207

  • 00:30

    Home Advantage Of Home Loans

    in Finance

    Looking for a home loan, since the housing markets are offering great housing deals? Today we are talking about the truth and false issues of home loans, What are the good home loans versus the bad ones. Part of financal freedom is home ownership let's talk about it today on the Cheap Cheetah Money Show
    www.cheapcheetah.webs.com
    www.roxiestreasures.webs.com
    www.facebook.com/TheCheapCheetahMoneyShow