Wednesday, December 5, 2012

Independent Foreclosure Review - Deadline Dec. 31st

Eligibility for Independent Foreclosure Review (IFR)
Borrowers are eligible for an independent foreclosure review if they meet the following criteria:
  • the property securing the loan was the borrower's primary residence;
  • the mortgage was in the foreclosure process (initiated, pending, or completed) at any time between January 1, 2009, and December 31, 2010; and
  • the mortgage was serviced by one of the following mortgage servicers:
America's Servicing Company Countrywide National City Mortgage
Aurora Loan Services EMC Mortgage Corporation PNC Mortgage
BAC Home Loans Servicing EverBank/EverHome Mortgage Company Sovereign Bank
Bank of America Financial Freedom SunTrust Mortgage
Beneficial GMAC Mortgage U.S. Bank
Chase HFC Wachovia Mortgage
Citibank HSBC Washington Mutual (WaMu)
CitiFinancial IndyMac Mortgage Services Wells Fargo Bank, N.A.
CitiMortgage MetLife Bank Wilshire Credit Corporation
If you previously filed a complaint with these servicers about foreclosures pending during the review period, you may still seek an independent review of your foreclosure.
There are no costs associated with being included in the review; the review is a free program. Beware of anyone who wants payment to assist you in connection with the independent foreclosure review or any other foreclosure assistance program.

Review Process

Information about the review process, including how to request an independent review, was mailed to potentially eligible borrowers in November and December 2011. If you believe that you meet the three criteria but have not received a mailing, call 888-952-9105, Monday through Friday from 8 a.m. to 10 p.m. (ET), and Saturday from 8 a.m. to 5 p.m. (ET). Individuals can also get more information about the review through a website set up by the servicers, www.IndependentForeclosureReview.com Leaving the Board. A list of Frequently Asked Questions and Answers are available on the website.
Individuals will be sent an acknowledgement letter from the review administrator within one week after their request for an independent review is received. Individuals will be notified in writing of the results of the review. Because the review process will be a thorough and complete examination of many details and documents, it could take several months to complete the review.
Rust Consulting was selected and hired by the servicers to serve as the central administrator of the independent foreclosure review. Rust Consulting will notify borrowers, receive requests for a review, and respond to questions about the independent foreclosure review process.

Deadline to Request a Review

Requests for review by the servicers’ independent consultants must be postmarked or submitted online by December 31, 2012.1 Borrowers are encouraged to carefully consider the information about the review program to determine if they are eligible to participate.

Federal Reserve’s Role

The Federal Reserve’s role is to ensure compliance with the enforcement actions issued in April 2011. As required by those actions, independent consultants will conduct the reviews of foreclosures and determine whether errors, misrepresentations, or other deficiencies resulted in financial injury. The Federal Reserve will monitor the independent foreclosure review process and the servicer’s outreach efforts.

For More Info, Call Rainbow PUSH at 404 525 5663 or visit
http://www.federalreserve.gov/consumerinfo/independent-foreclosure-review.htm

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Steven Peterson said...

I lost my home in a short sale right before the foreclosure deadline. The only bright spot was an open ended question on the Independent Foreclosure Review Form asking me to describe "any other way I may have been financially injured by the foreclosure process."

After composing my response, I sent hard copies to the Independent Reviewer, the House and Senate Finance committees, and the chief executives of PNC. I also posted it on my website:

See http://www.desolationpress.com/essays/indreview.html

After a day or so of reflection, I thought it might serve as a good template for others to use.

See http://www.desolationpress.com/essays/testimony.html

I encourage people to complete the form, and send their story to members of Congress. A few truckloads of letters might give them a better sense of the magnitude of the issue.

As they keep extending the deadline for this process, I'm starting to doubt that anyone will receive any real compensation for their loss. The banks have firmly established that they won't admit any culpability for their actions, so our best bet may be to publicly shame them into some sort of confession. Perhaps we should make them wait for a year or two before they receive their next taxpayer bailout.

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