As regulators crack down on shady lending practices, banks and lending institutions are getting more and more rigid with loan qualifications. In fact, a recent New York Times article detailed one retiree’s struggle to obtain a mortgage even with excellent credit history and healthy retirement and brokerage accounts. In addition to demands for the usual read more »

Last week, Attorney General Kamala Harris, who has fought for California homeowners and against big banks, was named one of the 100 most influential people in the world by TIME Magazine. Harris is 48 years old and is the first female, the first African American, and the first South Asian to ever be elected as read more »

The government’s Home Affordable Refinance Program (HARP) was scheduled to expire at the end of April – until last week. The Obama administration’s program to help underwater borrowers, who are current with their mortgage payments, refinance at lower rates was extended an additional two years last week.  Regulators announced last Thursday, April 11th, that HARP read more »

As a loan modification and foreclosure defense attorney, many people ask me how they can get help to stop a Citibank or Citimortgage foreclosure. Although it can seem like a long and hopeless process, there are programs to assist Citibank borrowers and provide Citibank mortgage foreclosure help. Citibank Mortgage Foreclosure Programs Like most large institutional read more »

California may have some of the best homeowner state law protection in the country after last week’s introduction of the new legislation the Homeowners Bill of Rights. It was a win for struggling homeowners who praised the new laws in CA attention to lender misconduct over the past few years. The homeowner state laws 2013 read more »

As we get closer to January 2013 when California’s new Homeowner Bill of Rights will take effect, we want to make sure you understand your rights and are prepared to take advantage of the benefits. It’s a monumental change to the foreclosure process; California is the first to enact homeowner protections like these at the state read more »