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| Legal Disclaimer: This website does not contain any legal advice. You are responsible for yourself and your own actions. We make no warranties; either expressed or implied, of fitness for a particular purpose, or applicability these programs may have with your individual situations. © 2006, 2007, 2008, 2009. All rights reserved. |
| Legal Disclaimer: This website does not contain any legal advice. You are responsible for yourself and your own actions. We make no warranties; either expressed or implied, of fitness for a particular purpose, or applicability these programs may have with your individual situations. © 2006, 2007, 2008, 2009. All rights reserved. |
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| FEDERAL SB94 DISCLOSURE REQUIRED BY LAW: SEC. 9. Section 2944.6 is added to the Civil Code, to read: 2944.6. (a) Notwithstanding any other provision of law, any person who negotiates, attempts to negotiate, arranges, attempts to arrange, or otherwise offers to perform a mortgage loan modification or other form of mortgage loan forbearance for a fee or other compensation paid by the borrower, shall provide the following to the borrower, as a separate statement, in not less than 14-point bold type, prior to entering into any fee agreement with the borrower: It is not necessary to pay a third party to arrange for a loan modification or other form of forbearance from your mortgage lender or servicer. You may call your lender directly to ask for a change in your loan terms. Nonprofit housing counseling agencies also offer these and other forms of borrower assistance free of charge. A list of nonprofit housing counseling agencies approved by the United States Department of Housing and Urban Development (HUD) is available from your local HUD office or by visiting www.hud.gov. |