June 6, 2016 update: I've dropped the prices on ALL the DIY Mortgage Auditing tools I offer.
Welcome to the Do It Yourself Mortgage Review for Borrowers product page! My name is Christine Springer, and I am the author of this e-book.
I began auditing mortgage loans in 2008, and by 2009, I began blogging about the problems I was finding in client loan audits. I started auditing for Truth In Lending and RESPA violations, and then began to include the recorded chain of documents in my audits.
I wrote this product in 2010 for borrowers. It is an e-book with step-by-step instructions on how to critically review your mortgage or deed of trust paperwork for errors and factual issues.
This product is designed for borrowers with no prior legal or mortgage experience. If you're in foreclosure, however, chances are you're more savvy than you realize. The recent recession was a big wakeup call to everyone who owned a home and found themselves in foreclosure.
As you probably know, there is so much information on the internet about fighting foreclosure, and it can be overwhelming and much of it is based on information from earlier in the foreclosure crisis.
What worked then doesn't necessarily work now. Early on, there were no lawyers and borrowers had to defend themselves.
However, now the case law is more fully developed, the courts are more educated and there are more lawyers practicing in foreclosure defense. This makes foreclosure defense much more complex, and it is dependent on your state.
The good news is that homeowners who want to keep their homes have a better chance of getting a favorable outcome than they did from 2007 - 2013. There was a big shift in court sentiment in early 2014, and that's when I began noticing that homeowners were winning.
That's also around the time when Barbara Forde won the Steinberger case here in Arizona.
There are probably multiple ways to succeed in getting a good outcome on your foreclosure matter.
I'm not saying that my strategy is the only way, but it has worked for a lot of people.
Get a loan audit and hire the right attorney to represent you.
I love these products because they empower you, the homeowner, to make a better decision.
If you'd like to know whether there are problems with your documents before you decide to walk away, this book will show you how to find them.
If you want to fight and are looking for leverage, this product will help you find the problems.
Does your attorney understand foreclosure defense? You'll know the right questions to ask attorneys after you've audited your loan.
Here is what you get in this package:
- 47-page downloadable e-book
- Step-by-step instructions
- Truth in Lending/RESPA Audit instructions
- How to audit your recorded documents
- Finance Charge Worksheets
- Find Your Pooling and Servicing Agreement
We process payments using Paypal. You don't need a Paypal account to purchase our products, and we never see your payment details.
Remember to save the product to your hard drive so you can refer back to it!
You will need to download Adobe Acrobat to open, read and print this product.
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CHRISTINE E. SPRINGER IS NOT AN ATTORNEY AND THIS PRODUCT IS NOT INTENDED TO BE LEGAL ADVICE.
PURSUANT TO FTC’S MARS RULE, SECTION 322.5: DESERT EDGE LEGAL SERVICES, LLC IS NOT ASSOCIATED WITH THE GOVERNMENT. OUR SERVICES ARE NOT APPROVED BY YOUR LENDER. EVEN IF YOU USE OUR SERVICES, YOUR LENDER MAY NOT AGREE TO CHANGE YOUR LOAN. IF YOU STOP PAYING YOUR MORTGAGE, YOU COULD LOSE YOUR HOME AND DAMAGE YOUR CREDIT RATING