Stories of People Who Stopped their Foreclosure and Saved their Homes

What if...
1) We can get your mortgage loan balance to be reduced;
2) We can get your interest rate to be cut down so you can afford the monthly payment on your home; and
3) We can help you save and keep your home?

Skeptical?

Here are stories of people whom we have helped in stopping their foreclosures:

Read This if You Own a Rental Property in Foreclosure

If you have a property that you are not living in or wish to move out of, my company, Home Loan Management Solutions, LLC offers our FORECLOSURE WALK AWAY^TM program which costs you nothing out of pocket!

To qualify for the FORECLOSURE WALK AWAY^TM program, your property must be in move-in condition.  Approval is subject to a property inspection by an authorized representative of Home Loan Management Solutions, LLC. Call us so we can find out if your property qualifies. Here's our phone number: 630-968-2120

If you have a tenant in the property, we may work with your existing tenant.

The goal of the FORECLOSURE WALK AWAY^TM is to force a settlement with the bank by putting the bank into a position where it cannot foreclose and holding it accountable for documented violations of federal lending laws.

Does Self Defense Make Sense?

The answer to the question is of course "YES". I know Judo (martial art) and I know how to shoot a gun. I hope that I will never use these "self-defense" know-how but if I'm in a situation where I need to use them, I will. Why? I want to defend myself from bad people who are out there. These people violate people's trust and disrupt their way of life.

From a MORAL standpoint, it's NOT bad to defend oneself if and when the situation demands it.

In the same manner...banks have VIOLATED people's trust and have caused irreparable harm. They are foreclosing on you and you should FIGHT BACK and DEFEND yourself. There is NOTHING MORALLY WRONG in defending yourself legally from your lender.

We can help defend you. How?

Good News: The Government Is Sometimes on YOUR Side

The good news for homeowners is that banks and lenders are governed by various Federal Lending Laws such as the Truth in Lending Act, the Real Estate Settlement Procedures Act, and the Home Ownership and Equity Protection Act.

To read the Truth in Lending Act (TILA) go here:

http://www.fdic.gov/regulations/laws/rules/6500-1400.html

To read the Real Estate Settlement Procedures Act (RESPA), go here:

http://www.fdic.gov/regulations/laws/rules/6500-2530.html

To read the Home Ownership and Equity Protection Act (HOEPA), go here:

http://apps.americanbar.org/buslaw/committees/CL130000pub/newsletter/200708/natter.pdf

These three laws are KEY.  These Federal Laws dictate the disclosures that lenders are required to provide, the accounting that lenders are required to provide, and contain other measures that are designed to protect people from predatory lending practices.

Your Bank's Skeleton in the Closet

My company, Home Loan Management Solutions, LLC is a mortgage auditing firm. 

It conducts what is known as a Forensic Loan Audit.  A Forensic Loan Audit involves an in-depth analysis and accounting of the closing documents provided at closing to a borrower on a real estate purchase or refinance loan.

The purpose of this audit is to UNCOVER VIOLATIONS OF FEDERAL LENDING LAWS (TILA, RESPA, and HOEPA) committed by the lender in the transaction. (In other words, the forensic loan audit is how we can find out your bank's skeleton in the closet!)

These violations may include but are not limited to improper or missing disclosures, undisclosed or understated finance charges, misrepresentations of the true finance charges, lack of compliance with various provisions of TILA, lack of compliance with various provisions of RESPA, and lack of compliance with various provisions of HOEPA, predatory lending practices, improper recording of required documents, defective mortgage instruments, use of MERS to foreclose, fraud, fraud in the inducement, common law fraud, misrepresentation of the Real Party in Interest, unconscionability, failure to verify income and assets, failure to establish conditions precedent, and so much more. 

The forensic loan audit is the backbone of the

Foreclosure Legal Defense^TM process!

You can be assured that the audit of your loan documents preformed by Home Loan Management Solutions, LLC will be both comprehensive and professional.  We know the violations to look for and where to find them in the documents. 

WE ARE ON YOUR SIDE! Call us NOW at 1-877-9KEEPHOME for a free consultation and forensic loan audit.

Bank of America Sues Itself for Foreclosure

I saw this news article from http://disinfo.com/ - a great website for finding news that are hard to believe but true. I cannot believe it myself but this goes to show how stupid banks are.

"In the latest phase of the foreclosure crisis, our nation’s biggest banks have reached a Zen-like state in which they resemble snakes eating their own tails, reports Forbes:

Here’s a sign of just how big and messy the foreclosure problem is: Bank of America has sued itself at least nine times in April.
That’s what lawyer and fraud expert Lynn Szymoniak discovered recently during a search for foreclosure filings in Palm Beach county Florida.”There are likely at least 100 examples of the same thing happening across the state,” Szymoniak says. “The company is literally seeking damages from itself in order to foreclose on the condo owner.”
“We are servicing the first mortgage on behalf of an investor and we own the second mortgage,” said Bank of America spokeswoman Jumana Bauwens [in regards to one case]."

Here's the copy of the foreclosure lawsuit:

Maybe your bank is stupid too...and it has no right to foreclose on you. To find out how smart or stupid your bank is, call our office at 1-877-9KEEPHOME so we can give your bank an IQ test (mortgage audit).

Have YOU Received Your Bailout from Obama Yet?

In any contractual situation, full disclosure, fair dealing, and a” meeting of the minds” is required for a valid and enforceable agreement.

All of these required elements are MISSING in most of the home loans originated or refinanced between 2000 and 2009.

So often we speak with people that just want to “pay their mortgage” and are hoping that their foreclosure problem will magically go away.  IT WON’T!

People often operate with the FALSE assumption that their “lender” in interested in working with them and has their best interest at heart.  While this is certainly the message the “lender” attempts to communicate, IT IS UNTRUE!

THE “LENDER” IS MOTIVATED STRICTLY BY PROFIT AND WILL LIE, CHEAT, AND STEAL TO INCREASE PROFITS!!

In this whole mortgage mess, many people were given loans that were never intended to be paid back.  They were given so called “liars loans” because no documentation or verification of income was required.  We read about a strawberry picker in California making $14 an hour being given a $750,000 mortgage!  This is but one of many examples.