After thorough evaluation of a property owners mortgage situation, we provide the following executive mortgage services, consultation and support services , fully customized to meet the goals and needs of the client:

WE PROFILE:

• First, We Personally take the time to look at the overall picture of what transpired from the time of origination, to loan servicing, through to foreclosure fillings.

• We understand who the players are in the entire mortgage lending process, from mortgage broker, Realtor, title company, through to Lender, Servicer to their attorneys.

• We think like a homeowner, broker, lender, underwriter, servicer, investor and an attorney.

• We detect and note Fraud and misrepresentation from Origination throughout to the Servicing of your loan through the  Loss Mitigation efforts made by your bank.

• We will assist the homeowner / property investor in arming themselves and developing their argument with the bank.

WE INVESTIGATE:

• We produce a personalized Qualified Written Request and demand for documents to all parties involved or relating to the origination and servicing of the loan.
• We Utilize the Treasury’s Net Present Value (NPV) model used by the lender (vs. borrower affordability and market sustainability.) to see what the lender sees in determining your possibilities for assistance. (The question is, what’s in it for them?)
• Research and document note transfers in pubic records
• Thorough Property valuation, market value and area charts in an easy to read format.
• We review, document and manage all correspondence between the homeowner, processor, lender, borrower, attorneys and authorized third parties.
• We understand which violations can hold up in court vs. which ones can’t.

WE REPORT:

• Our Mortgage Due Diligence Reports are used by a homeowner or an attorney to support their case with the bank.  They are performed by a credible third party who will check your loan for compliance with Federal and State lending laws such as:
  • Unfair and Deceptive Acts and Practices Statutes (UDAP)
  • The Truth in Lending Act (TILA)
  • The Home Ownership and Equity Protection Act (HOEPA)
  • Real Estate Settlement Procedures Act (RESPA)
  • Fair Lending Statutes
  • State High-Cost Mortgage Statutes

• Our AUDITORS are Experts in the following areas and are available to stand as expert witness in court
  • Appraisal Analysis
  • Underwriting
  • QC & Due Diligence Underwriting
  • Loan Servicing Compliance
  • Compliance Auditing
  • Non Performing Loan Portfolio Analysis
  • Fraud Analysis

WE PROCESS:

• We assist in developing and detailing hardship documentation and explanation in a format accepted by and easily absorbed by the Underwriter.
• Financial analysis and structure for mortgage loan refinance, loss mitigation or restructuring purposes.
• Collection and management of all applications and forms required for the Making Home Affordable Program or any other available program through the investor or it’s affiliates.
• Bi Monthly follow-up with lender and borrower leading to weekly follow up once file is assigned to a negotiator
• Answer – Notice to Accelerate (4 mo past due in Florida)
• Guidance if / when served Foreclosure Complaint  ( Lis Pendens,- 5 months in Florida)
• Guidance if / when served Motion’s for Hearing / Judgment
• Confirm Foreclosure proceedings have in fact been stopped or delayed as per guidelines as of HAMP September 2010 Directives.
• Confirm there is no negative credit reporting during review times and / or Qualified Written Requests are in process of being answered by the lender

WE RESOLVE THE PROBLEM

Since August 2007, which marked the beginning of the “foreclosure crisis”, Tiffany Arthur, owner of MainStreet Resolutions, has provided guidance, direction and peace of mind to individuals, investors and families throughout Florida. These homeowners are from every walk of life and each of their mortgage situations is as unique as each individual tied to it. MainStreet Resolutions is Your Path to A Fresh Start!

Call US TODAY

MainStreet Resolutions is

Your Path to A Fresh Start!

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Are you in default or foreclosure?  If you suspect you have been the victim of Predatory Lending here in Florida, suspect you might be a victim of fraud, suspect the lender who provided your mortgage may have been less than honest, or may have even purposely overvalued your property in the Appraisal, please contact me, Tiffany Arthur at mainstreetemail@aol.com or visit my website for more information at www.mainstreetresolutions.com We are interested in helping the homeowner find a permanent resolution to keep them in their home.

Related articles

• Are you a Victim of Predatory Lending Practices? (choiceofhomes.com)
• Loan Modification Myths (avidlawblog.wordpress.com)
• 10 Types of Companies Involved with Foreclosures (doorfly.com)