As part of the American Taxpayer Relief Act of 2012, or the fiscal cliff bill, passed by Congress on Jan. 1, a one-year extension has been approved for the Mortgage Forgiveness Debt Relief Act (the Act). Created in 2007, the Act has provided homeowners a tax exemption when they obtain debt forgiveness on a primary […]
The California Homeowner Bill of Rights became law on January 1, 2013 to ensure fair lending and borrowing practices for California homeowners. The laws are designed to guarantee basic fairness and transparency for homeowners in the foreclosure process. Key provisions include: Restriction on dual track foreclosure: Mortgage servicers are restricted from advancing the foreclosure process […]
On January 24, 2012 President Obama delivered his State of The Union Address in which he expressed his desire to launch a broad expansion of home refinance policy that would benefit all responsible underwater home owners. A few days later The White House issued this press release outlining the plan. The White House created the […]
Choosing a HARP Lender: Big vs Small and Original vs. New The HARP 2.0 mortgage refinance loan picked up speed in mid-March 2012, once Fannie Mae and Freddie Mac rolled out their automated underwriting systems for the HARP loans. Before March 19, 2012, the only HARP lender you could work with was your current lender. […]
The Mortgage Forgiveness Debt Relief Act is scheduled to expire at the end of the month. The IRS considers forgiven debt income, which means a person with a deficiency balance that is waived can be held responsible for income taxes on the amount of debt that has been forgiven. There is currently a rule that […]
The Mortgage Forgiveness Debt Relief Act is scheduled to expire at the end of the month. The IRS considers forgiven debt income, which means a person with a deficiency balance that is waived can be held responsible for income taxes on the amount of debt that has been forgiven. There is currently a rule that […]
Homeowners can expect a response from their bank on a short-sale offer within 30 business days, with a final decision taking no more than 60 days, if their loan is owned by Fannie Mae or Freddie Mac. WASHINGTON — If you’re one of the estimated 11 million homeowners burdened with an underwater mortgage, a new […]
Identifying Eligible HARP 2 Candidates The increased number of eligible refinance candidates that will result from the recent changes to the Home Affordable Refinance Program (HARP) presents both an opportunity and challenge to lenders and servicers. There’s opportunity for more business, but the influx of this new activity may cause operational challenges. Consumer Data […]
The rules around telemarketing sales calls to cell phones (or I should say wireless devices) have always been complicated and depending who you talk to can vary. There is a very clear message in the FCC’s new rules: 1. Telemarketing calls made via a dialer to wireless devices (which includes text messages) without express written […]
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