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The lending industry and loan servicing lobbyists have successfully pressured Governor Schwarzenegger to demand that language be included in SB 94 that would prohibit attorneys from accepting retainers for loan modification negotiations with their loan servicers. The language, if adopted, will prevent homeowners from seeking legal representation to save their home from foreclosure.

According to Martin Andelman, of mandelmanmatters on ml-implode.com, California homeowners are the ones losing here . This is just the banking lobby influencing our government once again. Andelman has been an outspoken advocate for homeowner rights and writes a column for The Mortgage Lender Implode-o-meter and the Niche Report magazine.

The language proposed is as follows, according to Andelman;

5) Prohibits persons including attorneys, until January 1, 2013, who negotiates, attempts to negotiate, arranges, attempts to arrange, or otherwise offers to perform a mortgage loan modification or other compensation paid by the borrower to do any of the following:

a) Claim, demand, charge, collect, or receive any compensation until after the licensee has fully performed each and every service the licensee contracted to perform or represented that he/she would perform.

The proposed language will effectively cut-off homeowners from legal representation, while banks and loan servicers have a battery of attorneys dictating policies that are in their interests and leaving homeowners to fend for themselves. Attorneys who legitimately represent their client's interests to gain long-term modifications invest months of work, countless hours and delaying tactics by the loan servicers who only respond to the threat of litigation.

Alan Jablonski, a Long Beach, CA based consumer rights attorney and author of ''Successfully Navigating the Mortgage Maze'' said, the modifications that the loan servicers are offering homeowners, if they will even talk with them, are short term fixes that will leave the homeowners facing foreclosure at a later date.

The language may also affect homeowners who are seeking bankruptcy protection, since attorneys practicing in this area also work to keep homeowners in their properties. Most homeowners want to stay in their homes, even if they owe more than the home is worth.

J. Arthur Roberts, a bankruptcy attorney located in Newport Beach, CA stated, this language is of great concern, many homeowners who contact our office are trying to save their homes and we don't know how this will affect our practice, homeowners need attorneys to look into violations of state and federal law, it depends upon how this law will be interpreted.

Jablonski continued, attorneys will not be able to help homeowners, since much of the time, if the attorney doesn't receive a retainer they have no way to be paid for their servicers, violations of the law will go unchallenged and those who could have remained in their homes will have no recourse.

No attorney can guarantee an outcome, it's in our code of ethics and would irresponsible, but the only thing this language will do is drive homeowners to disreputable loan modification companies who will violate the law regardless of its passage, Jablonski said.

In 2008, California passed new laws that required lenders to work with homeowners and many attorneys are using these and other laws to fight for solutions to the foreclosure epidemic in the state. Many believe the financial industry is attempting to remove any chance homeowners have of staying in their homes for the long-term.

Alan Jablonski can be contacted and will be available for appearances on short deadlines at 562.235.5709. Martin Andelman and J. Arthur Roberts are available for appearances and further comments.

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Homeowners, who go past 2012 with no loan mod and have to short sale, could have a huge tax bill. Some short sales take a year. Homeowners who wait until 2012 may have a short sale close in 2013 and face a huge tax bill.

EHS says Be Concerned. Heres how the 2007 Act works. If your lender forgives any of your loan, it is reported to the IRS as ordinary income. That income could add over $100,000 to your taxable income. The 2007 Act forgives that tax.

Congress created a bi-partisan 12-member committee to reduce the $1.5 trillion dollar tax deficit. Everything is on the table including the tax deduction for mortgage interest and property taxes. This tax credit, which allows homeowners to exclude up to $2 million dollars in mortgage debt forgiveness, is an easy fix. Remember, congress didnt extend the first time buyer credit.

2012 is a presidential election year. There is no telling who will be in power or what the political ear will be willing to hear.

Even the current mortgage interest tax deduction is under scrutiny. The committee estimates that by limiting mortgage interest and other itemized deductions for household incomes above $250,000 or individuals over $200,000, they can shave off $250 billion from the deficit. Why not allow a temporary act already scheduled to expire for everyone in 2012 disappear? This will affect people making a lot less than $250,000.

Homeowners need to think hard. Banks can keep homeowners on the hook paying if they face serious taxes. They can foreclose if homeowners cant pay. Advice: Dont wait

For answers, sign up for a FREE Guide for Distressed Homeowners.

Mary Ellen Wilson, broker (Lic. #01487433), Expert Home Solutions Inc. dba Expert Home Auctions International, 877-267-2514×7, 877-276-8563 FAX, mewilson(at)experthomesolutionsincusa(dot)com, has been licensed since 2005. Her internet experiences from 1995, prompted her to start EHA online in May, 2009. She has run over 40 auctions.

A complete media kit is available with videos, audio, photos, art, interview questions, and top ten.

The Corporate Whistle Blower Center is the best branded source on the Internet, for bank employees, and or mortgage loan servicing insiders, and wrong doing involving bank owned home foreclosures. The group says, With potentially tens of thousands of bank, or loan servicing company employees layoffs looming, we need honest employees to grab as much information as possible about bank, or major loan servicing companies committing fraud, or engaging in a wide assortment of fraudulent, or unacceptable practices, while they still have access to the information. We cannot emphasize how potentially valuable this information could be, especially if the information relates to FHA, or VA mortgages. The Corporate Whistle Blower says, We are also extremely interested in talking with taxpayer owned Fannie Mae employees, about wrongdoing with respect to home foreclosures involving Fannie Mae. We also want to hear from Fannie Mae, or bank employees, who have very specific information about taxpayer owned Fannie Mae, or banks knowingly dumping toxic Chinese drywall foreclosures in places like Florida, with the only disclosure being as is. This information could all be extremely valuable, and the whistleblower could be looking at huge rewards, again with the caveat being the information has to be substantial, and very easy to prove. For more information bank, or loan servicing employees are encouraged to contact the Corporate Whistle Blower Center anytime at 866-714-6466, or they can contact the group via their web site at http://CorporateWhistleBlowerCenter.Com

Simple rules for a whistleblower from the Corporate Whistle Blower Center:

• Do not go to the government first, if you are a major whistleblower. The Corporate Whistle Blower Center says, Major whistleblowers frequently go to the federal government thinking they will help. Its a huge mistake. Frequently government officials could care less, or they are incompetent.
• Do not go to the news media with your whistleblower information. Public revelation of a whistleblower’s information could destroy any prospect for a reward.
• Do not try to force a government contractor, or corporation to come clean to the government about their wrong doing. The Corporate Whistle Blower Center says, Fraud is so rampant among federal contractors, that any suggestion of exposure might result in an instant job termination, or harassment of the whistleblower. We say, come to us first, tell us what type of information you have, and if we think its sufficient, we will help find the right law firms, to assist in advancing your information.

Any type of insider, or employee, who possesses significant proof of their employer, or a government contractor fleecing the federal government is encouraged to contact to Corporate Whistle Blower Center anytime at 866-714-6466, or they can contact the group via their web site at http://CorporateWhistleBlowerCenter.Com

Is there anyway to find out the remaining mortgage balance on a . Solved – 5 answers – Dec 6, 2007 Go to the court house and find a copy of their mortgage. These are filed in the recorders office (or whatever it is called in answers.yahoo.com/question/index My Mortgage Balance is WHAT? Maine Commercial Real Estate .
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Clopton Capital is a provider of commercial mortgages and is located in Chicago, IL. They primarily focus on commercial mortgage services, SBA loan products and niche financing mechanisms such as gas station loans and commercial bridge loans. The founder of Clopton Capital is Jake Clopton and this press release is part of Clopton Capital’s consistent effort to remain involved with the public, namely their future clients. Clopton Capital can be contacted at CloptonCapital.com.

Clopton Capital has recently gained a partnership with a wholesale commercial mortgage source and is making this announcement to explain the significance and specific parameters of this new commercial financing mechanism. The commercial mortgage solution they are making announcement of can be issued at up to $25,000,000 and in some cases even higher if the need, credit of the borrower and viability of the business idea meets even higher standards than expected. This commercial mortgage can be utilized on any income producing property, business or even real estate, so long as it is generating a cash flow. Clopton Capital claims the most significant feature of this loan product is the ability to cash out an unlimited number of times. Jake Clopton, the founder of Clopton Capital, explained the process of ‘cashing out’ as this, If you want to borrow funds again years later and pay off the prior loan in exchange for a new commercial mortgage from us, there are no penalties and the transition in quite simple. This is incredibly rare and frankly unheard of in commercial lending right now.

There is a credit requirement for this loan. You will need a FICO score of above 650 and virtually any significant negative marks on the borrower’s credit could eliminate their eligibility for such a loan. Funding takes approximately 30 days after all information is obtained. Clopton Capital claims the most significant factor and largest selling point of this loan solution is the fact that interest rates start at only 3%. 3% is absolutely unheard of in the world of banking. We are extremely excited about this program and we want everyone who could possibly want a commercial mortgage to know about this program as soon as possible, said Matt Reed, an associate of Clopton Capital.

Clopton Capital can be contacted at their website CloptonCapital.com or at 866.647.1650 during regular business hours central time. Their website contains more specific information about their working capital products. Their website dedicated to commercial mortgages for borrowers and commercial mortgage brokers is CommercialMortgageSource.com

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