Thank you for visiting our site.
The Save Your Home Project is based on the belief that our homeowners' needs are of the utmost importance. Our entire team is committed to meeting those needs. As a result, a high percentage of our business is from effective results provided to our homeowners and their word of mouth referrals.
We would welcome the opportunity to earn your trust and deliver to you the best service, in this time of your FORECLOSURE CRISIS.
The Banks have us living in fear; they have us afraid to answer our phones and even afraid to get mail. We are peeking through our curtains because we do not want to confront the person at our door. We have become prisoners locking ourselves up in our homes waiting to be tossed out on the street. They have you afraid to make a positive move for yourself, they have created this fear to make you hold yourself back, to give-up and quietly walk away.
One of the most powerful things you can do is to eliminate whatever is holding you back. The Save Your Home Project thinks you should use your fear of the banks as a way of preparing you to deal with your situation. Use your fear to heighten your awareness and increase your energy level. Fear is not meant to stop you, but rather to prepare you for the challenge.
Allow the Save Your Home Project to help you gather the best effective information, give it some honest, objective thought, then; make the decision to fight for your family. That way, you can relieve yourself of being burden down with stress and spend your time actually getting things done. You can begin to focus your energy on creating the results you need to protect your estate.
It has been our experience that only a small number of Home Owners will have the heart to make a stand. We are here to change the paradigm.
The Process of a FORECLOSURE
Foreclosure proceedings differ by state, but we can take a look at the general steps that are taken. If you're faced with foreclosure, it's important that you research your state's laws and practices. Foreclosure can begin after a single missed payment, but it isn't very likely. Most banks and lenders have a grace period for late payments, usually with a fee added on. It typically takes being a full 30 days late for the alarm bells to go off. After the second missed payment, you'll be getting some phone calls. Many lenders will only accept both late payments to bring the loan current. They also may refuse any partial payments.
After about three to six months of delinquent payments, the lender orders a trustee to record a Notice of Default (NOD). At the County Recorder’s Office. This puts the borrower on notice that he or she is facing foreclosure and starts a reinstatement period that typically runs until five days before the home is auctioned off.
If the default isn’t corrected (the loan must be brought current) within three months, a sale date is established. The homeowner will receive a Notice of Sale, and this notice will also be posted on the property. In addition, the
Notice of Sale is recorded at the County Recorder’s Office in the county where the property is located. Finally, this Notice of Sale is also published in the local newspapers to the county in question over a three-week period.
The foreclosure Trustee Sale typically occurs on the steps of the county courthouse in which the property is located. The time and location of this sale are designated in the Notice of Sale. At the Trustee Sale, the property is auctioned in public to the highest bidder, who must pay the high bid price in cash, typically with a deposit up front and the remainder within 24 hours. The winner of the auction will then receive the trustee’s deed to the property.
There are typically two ways the foreclose process works:
Judicial sale, which requires that the process go through the court system, or
Power of sale, which can be carried out entirely by the mortgage holder.
All states allow judicial sale, while only 29 allow power of sale. If your state allows power of sale, the loan papers will usually have a clause that says this method will be used. Power of sale is typically faster than the judicial route. Let's look at both methods.
- The mortgage lender will file suit with the court system.
- You'll receive a letter from the court demanding payment.
- Typically, you'll have 30 days to respond with payment to avoid foreclosure.
- At the end of the payment period, a judgment will be entered and the lender can request sale of the property by auction.
- The auction is carried out by the sheriff's office, usually several months after the judgment.
- Once the property is sold, you're served with an eviction notice by the sheriff's office, and you must vacate your former home immediately.
Power of Sale:
- The mortgage lender will serve you with papers demanding payment.
- After an established waiting period, a deed of trust is drawn up that temporarily conveys the property to a trustee.
- The trustee will sell the house at public auction for the lender.
- Many times, these foreclosures are subject to judicial review to make sure everything was carried out legally.
- There is usually a requirement for the lender to post a public notice of sale for the auction.
Both types of foreclosure require that any other involved parties be notified of the proceedings.
The banks are happily selling our homes for 2 to 5 times less than what we owe and are willing to pay back. Here is how the scenario goes. You owe $200,000 on your home; you are behind on your mortgage and can’t make the payment. You have called the bank trying to work your way out of dept.
You have sent and faxed out everything they have requested of you. Every time you call to check on the statue of your file, they tell you they have not received your paper work. So you fax it out again and again and again. It does not matter how many times you fax your paper work to the bank, it never seems to come through on their fax and if it does they lose it.
Losing your paperwork is a strategy the banks use to keep the time ticking, it gives them the allotted time to take you through the foreclose process, to get them to a sale date and auction off your home. Instead of working with you and your family and give you a little relief they auction off your home for 25 to 30,000 dollars that’s pennies compared to what you were willing to pay.
Now as you are packing up your memories and family, you ask yourself why would the bank force me out of my home and sell it for 5 times less then I was willing to give them. Your gut tells you that something is wrong; you know that you have been robbed but you were helpless because you didn’t know what to do to defend yourself.
On the surface it appears that the banks are following proper judicial proceedings when they are forcing you out of your home. The truth is the Banks are stealing our homes right from under us. They are using the Courts and our ignorance of the law to do all of their dirty work.
Our fear of the legal system has us paralyzed because we have no idea how to defend ourselves in the legal arena. The banks are using your fear to kill your dreams. The fear of finding the correct help, the fear of going to court, the fear of fighting the banks over something that appears to you, to be your fault, this fear will build a wall between you and your best possibilities.
Tired, apparently, of stealing American tax-dollars the nation’s bankers have moved on to stealing American’s homes. Through forgery, fraud and “foreclosure factories” banks across the nation are illegally seizing homes. As the Washington Post reports, in a letter to the GMAC mortgage company. "Suthers" said lawyers for the company’s GMAC mortgage unit made claims about unpaid loan balances and ownership of the mortgage that are in question after the company admitted last week that some documents contained “important but technical defect.”…
Things have gotten so bad that J.P. Morgan Chase is now freezing some foreclosures, J. P. Morgan Chase, one of the nation’s leading banks, announced that it will freeze foreclosures in about half the country because of flawed paperwork, a move that Wall Street analysts said will pressure the rest of the industry to follow suit.
J.P. Morgan Chase may prove to be just the tip of the proverbial iceberg,
Officials at "Fitch Ratings", a credit-rating firm that measures the health of companies, said the “defects” found in foreclosure documents at J.P. Morgan are industry-wide.
What spurred such drastic actions? The stories began to trickle out last week; the nation’s banks seemed to be running veritable foreclosure factories where bank workers diligently approved thousands of foreclosures without a modicum of professional or ethical standards. How else to explain a foreclosure on a house which had no mortgage? The Sun-Sentinel reported on Sept 3 2010,
When Jason Grodensky bought his modest Fort Lauderdale home in December, he paid cash. But seven months later, he was surprised to learn that Bank of America had foreclosed on the house, even though Grodensky did not have a mortgage.
Grodensky knew nothing about the foreclosure until July, when he learned that the title to his home had been transferred to a government-backed lender. This is not the exception to the rule for the banks. This is now the rule they are illegally seizing homes. This next article was written by Jay MacDonald I hope you enjoy it as much as I did.
Monday, December 19, 2011
Posted: 10 am ET
Forget for the time being all the Three Stooges document-fumbling surrounding the housing collapse. Set aside the obvious malfeasance of robosigning and rocket dockets.
The question on the table now is, were America's largest mortgage lenders stealing homes?
The recent lawsuit filed by Massachusetts Attorney General Martha Coakley against five of the nation's largest banks for deceptive foreclosure and loan modification practices essentially accuses them of doing exactly that.
Coakley accuses Bank of America, JPMorgan Chase, Wells Fargo, Citibank and Ally Financial of the following:
1. Engaging in unfair and deceptive foreclosure practices by conducting foreclosures when the defendants lacked the right to do so and misrepresenting to homeowners their roles as mortgagees or as the holders of the mortgages.
2. Engaging in false documentation practices to facilitate their foreclosure practices.
3. Deceiving homeowners in the course of servicing mortgage loans by misrepresenting to borrowers regarding its loan modification programs, acting deceptively in implementing loan modifications and deceiving borrowers regarding foreclosure proceedings.
"The layman's term for that is 'stealing homes,' says Firedoglake blogger David Dayen.”Coakley is accusing banks of stealing homes. They didn’t have the proper proof of ownership to take control of the homes in a foreclosure, and they did it anyway, by forging documents and committing fraud upon state courts."
Coakley's suit also includes the Mortgage Electronic Registration System, or MERS, the epicenter of its "false documentation practices" charge.
Massachusetts isn't the only state that has grown frustrated with the Obama administration's year-long attempt to negotiate a let's-move-forward settlement between the 50 states and the banks. Others, including California, Delaware, Nevada and New York, have distanced themselves from the talks, which appear headed toward an agreement that some AGs say amounts to a hand slap for the big banks.
But as the first to break from the pack, Coakley's suit reframes the debate from a snipe hunt for sundry robo-shenanigans by underlings to some serious charges leveled at top management.
The 50-state agreement under construction looks like it would grant the lenders immunity from prosecution in exchange for a settlement of $20 billion to $25 billion, to be used primarily for principal reduction and loan mods.
Coakley says she'll consider signing onto any forthcoming agreement based on its merits but has made clear she won't be party to any plan that includes broad liability release regarding MERS and other issues.
What's next? Will other states follow Coakley's lead?
Only time will tell.
But her bold break certainly throws into question the attraction of that (now) 49-state work-in-progress, and perhaps the wisdom of attempting to collectively bargain away a national disgrace.
There are hundreds of thousands of articles just like the two you have just read that are informing us on how the bank are illegally seizing our homes.What the banks are doing to us is well documented. The $64,000 dollar question is," Do you have the guts or the heart to fight back"? Today you now have a choice you have no excuse for sitting back and allowing the banks to abuse you.
"When an honest man, honestly mistaken, comes face-to-face with undeniable and irrefutable truth, he is faced with one of two choices; he must either cease being mistaken or cease being honest." - Amicus
We know that liberty is not for the masses, H.L. Mencken said it best:
“The fact is that the average man's love of liberty is nine-tenths imaginary, exactly like his love of sense, justice and truth. He is not actually happy when free; he is uncomfortable, a bit alarmed, and intolerably lonely. Liberty is not a thing for the great masses of men. It is the exclusive possession of a small and disreputable minority, like knowledge, courage and honor. It takes a special sort of man to understand and enjoy liberty”. - H.L. Mencken, Baltimore Evening Sun, Feb. 12, 1923.
Here at the Save Your Home Project we feel that fear’s most insistent message is -- be prepared. The Save Your Home Project is here to help you to become prepared; we are here to help you to understand that the legal system will free you, if you understand how to use it for your benefit.
Please understand that the bank is not here to help you they are here to make money. They do not care about you or your family. They will evict you and put your family on the street because they have no emotional ties to you or your family.
The Save Your Home Project thinks you deserve the best. You are worthy of the best. We think you should fight to keep your home and we are here to help you with that fight.
Here is what we do; we go over your mortgage with a fine tooth comb. We find the fraud and present the fact findings in a court of law. Your bank is aware of the fraud. They are the ones who created it. Hearing the facts in a court of law puts them in a vulnerable position, and it causes them to want to negotiate with you. Meaning they are now willing to modify, Refi, reconfigure or whatever you need done. That will allow them to keep that bad loan that they created for you. But this time having the Judge looking down on them, this will allow you to have more control over the direction of the terms.
Stand up, shake yourself off, and step confidently forward. Step forward in the direction of fighting for your home—yes, your home. You owe it to yourself, and you owe it to your family, to not give-in, give-up or walk away from your home. Your fear gives you a perfect excuse to avoid reaching for your most treasured dream and that treasured dream is to keep your house. So what would you rather have,Your house or the excuse?
Now is a great time to show confidence in your own reasoning power. Please understand that courage is not the lack of fear. Having courage is the ability to move forward through the fear. We are here to help you; all you need is the courage to give us a call.
LEARN HOW TO AVOID
AND SAVE YOUR HOME
Are you behind on your mortgage?
Are you facing eviction?
Do you owe more than the value of your home?
Are you fighting the banks and their attorneys?
Is your modification becoming a mortification?
WE CAN HELP!
Before you think about giving up or
walking away from you home..........
DO NOT WAIT, PROCRASTINATION
IS YOUR ENEMY
AND THE BANKS BEST FRIEND
1553 NE 167th Street
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Save Your Home Project
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P.O. Box 601681
North Miami Beach, Florida [33160-1681]
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