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Stop Foreclosure Fight Back & Win

The Secret To Getting Your Lender to say “YES” to "Mortgage Note Modification" 

  • Truth-in-Lending law (TILA) Secrets give you and your clients a powerful legal method to stop your lenders cold. This information will help you determine what is predatory lending or mortgage fraud and how you can fight your lender to get your way, even if they’ve been saying “no” all along.
  • How to determine what the TILA law lets you do and not do, and to see if it could help you or your clients in the most powerful way possible
  • How some people are living in their house month after month, year after year…even though they are not making any mortgage payments. The truth in lending laws give them a powerful hold over their lenders
  • What technical violations can give you the upper hand with your mortgage loan modification. Lenders committed many, many violations, and what these violations mean to you and how to cash in on them
  • A formula for determining how to move forward if you suspect TILA violations

Please contatct us for your free mortgage note modification evauation
Info@progressivesouthern.com


If you feel that you were ripped off, taken to the cleaners, and totally screwed when you got your loan, think again.

Because you may be able to use a little-known, almost secret group of laws to make your lenders tremble in their boots and cave in to your every request.

Let me explain.

Most people are aware of the Truth In Lending Act, or TILA. TILA regulates what lenders can do, and what paperwork they need to show you when they make you a mortgage loan.

And it turns out that lenders cut corners, played games, and did illegal things when they made many mortgage loans over the last years.

One expert told me that "100% of mortgage loans I have looked at contain TILA violations."

Why is this important? Because TILA violations put you, the borrower, in the driver's seat when it comes to getting your way with your lender.

You see, if your lender has commited TILA violations, they are liable for damages and may have to cancel the entire loan transaction.

That gives you leverage. While normally most borrowers think of themselves as at the mercy of their lender when it comes to making payments and working things out, TILA changes all that.

Because according to legal experts, TILA violations are not that hard to prove. And if you can prove them, you can get the lender to rescind the entire loan transaction.

 Knowledge really is power when it comes to TILA violations for "Mortgage Note Modification"

Many borrowers are tempted by
what they want and forget
what they can afford.
 
 
We identify what your choices are.

What you won't be able to do is look at your loan papers and determine whether TILA violations have been committed.

Why? Because this is too technical and there are many subtle variations on the theme. However, what you will be able to do is determine whether it's worthwhile to pursue the TILA angle. And what good things may happen to you, if you do.

Was your loan a re-fi? Was it within the legal statute of limitations for you to be able to sue?

  • How can you tell if possible TILA violations occurred?

  • How can you do a short sale and use TILA violations as a weapon to force the lender into saying NO to any deficiency judgments?

  • What are the telltale signs to look out for, that practically assure you have a lender who violated the law?

  • What happens once you identify TILA violations?

  • How can you notify your lender so they take you seriously?

  • What can you get your lender to do for you, that they wouldn't otherwise, once you have pointed out how they were a TILA law breaker?



If you are a homeowner and you suspect you've been taken advantage of, this is what you need to make the right decisions as to what to pursue next.

Was your loan arranged by a broker?

Where you high pressured into signing papers you didn't fully understand?

Were some of the papers blank, or incomplete?

These are just some of the tell-tale signs that TILA violations were committed.

And in the TILA Secrets course, you will learn:

  • How to use TILA violations to get short sales approved without deficiency judgments

  • How to deal with possible TILA violations with a second mortgage or the cash-out HELOC (yes there are differences and you need to pay attention to them)

  • When it absolutely is't worth pursuing, or spending a single thin dime on legal fees, and when it is

  • A method of not paying your mortgage payment for months or even years...that is perfectly legal...and that makes it almost impossible to foreclose on you

  • What happens when they don't take you seriously...assign a negotiator to you -- how do you get them to pay attention to you without risking retribution?

  • The short sale or loan mod you want is stalled out. Here's how to use TILA violations to knock your lender upside their head and get them to happily take whatever deal you are offering. 

  • Which situations make it simply impossible to deal, and which ones are a piece of cake for you to get your way?

What's this knowledge worth for your mortgage note modification success?

Many people feel this way…
”I have no life,
I have a house with a mortgage”.
 
 
If you have a house and owe, say, $200,000 on a mortgage, what would it mean to you if you could somehow quit making payments and still live there, legally?

And if you are a real estate agent, what is it worth not to give wrong advice to a client? Or what is it worth if a client can avoid a mess and you can avoid a lawsuit?

The biggest problem with TILA violations is not whether they exist. But whether the borrower should pursue the TILA violations. Whether it makes sense or not to even open what potentially is a can of worms.

Reasons to Conduct a Forensic Loan Audit
Obtaining a Forensic Loan Document Audit is essential in every Loan Modification, Short Sale, and Deed in Lieu resolution. The findings of an audit can significantly improve your chances for a positive resolution. The following are common reasons to conduct a forensic loan audit:

1. General Loan Documentation Errors

2. Reverse Engineering

3. Real Estate Settlement Procedures Act (RESPA) Violations

4. Truth in Lending Act (TILA) Violations

5. Home Owner Equity Protection Act (HOEPA) Violations

6. Good Faith Estimate Compliance

7. Misleading Disclosures

8. Overstated Home Values

9. Overstated Income in the Loan Application

10.Lender and/or Broker Misrepresentations

11.Usury Violations

12.Excessive ARM Adjustments

13.Packing

14.Excessive Points & Fees

15.Predatory Lending

16.Forgery

17.Loan Flipping


FREE information about mortgage note modification
info@ProgressiveSouthern.com


Progressive Southern
2200 CHADBOURNE DR. PLANO TX 75023
info@ProgressiveSouthern.com
Office 214-830-9078 fax 866-380-3986
A Sentrix Financial Partner
Chris Nuckols Disclaimer: The service(s) offered herein should not be considered a solicitation for business
in any state if the service(s) offered violates any law within that particular state.

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