There has been no restriction of any kind in the matter given here about SELLING MORTGAGE NOTE. All that has been stated here are the true facts.
SELLING MORTGAGE NOTE
Prudential Hartford Drop Goldman First to Say Sell Update3 Bloomberg Anyone can be a victim of home mortgage fraud Killeen Daily Herald
Tue, 11 Nov 2008 19:08:50 +0000
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All Rights Reserved John Palamara is one of the last people you might think would be a crime victim. He became a victim when he tried to get out from under his Federal House Administration mortgage in the late s. The housing market took a bad turn in the late s and homes were foreclosing across the nation. Palamara sold his home to a woman from Austin offering to take over his FHA note. However he did not know that under FHA regulations he was still responsible if his note was transferred and not paid. After several months of nonpayments FBI officials knocked on Palamara s door and he learned he was the victim of a scam. Palamara said the woman was convicted on mail fraud charges but the money was not found. In the wake of the recent housing market collapse and amid a foreclosure frenzy across the nation mortgage fraud is again on the rise. According to the FBI s Mortgage Fraud Report the housing collapse and massive foreclosures have produced a ripe environment for scammers seeking to take advantage of builders sellers and homeowners caught in a crunch. Reports of mortgage fraud rose percent in with a conservative estimate of million in losses. Texas ranked among the top states in mortgage fraud during but the state has dropped out of the top so far this year. As of August the FBI had open mortgage fraud investigations nationwide. However most of the FBI s investigations involve knowledgeable people within the mortgage industry or people who lie on mortgage applications. Mortgage fraud scammers have arrived in Killeen in recent months said Deborah Huddleston of Cornerstone Mortgage in Killeen. The scammers prey on people looking to refinance their homes. They offer adjustable rates to refinance but with high upfront fees Huddleston said. The scam ends up costing unsuspecting homeowners more than if they had just handled the situation through their mortgage companies. In some instances a home will get refinanced for more than it is worth which means the homeowner can t sell the property and it still gets foreclosed on because the owner can t make the mortgage payments. An increasingly common type of scam is a foreclosure rescue scam. A person offers to save a homeowner by taking on the deed in exchange for fees paid upfront but then either refinances the home through a forged deed or sells the home. The FBI reports a similar type of mortgage fraud scheme called equity skimming. In the scam an investor uses false methods to obtain a mortgage loan in the name of another person who then gives the property over to the investor who does not make mortgage payments rents the property until it is foreclosed on after several months and walks away with the money. Another type of equity skimming involves people approaching troubled property owners and offering to repair their credit and save them from foreclosure. The person agrees to make mortgage payments by renting or selling the property and then the owner receives part of the profits. The person gets control of the property through a deed transfer rents the property receives a deposit from renters does not pay the mortgage and the home goes into foreclosure. The consequences of having a late mortgage payment or even worse a foreclosure can be horrible for a person trying to secure a loan. If you have a late payment on a house loan it doesn t matter if all the rest of your credit is perfect that will be held against you for years down the road Huddleston said. That will hurt your credit worse than everything to be late on your home loan. Huddleston said the scam is common with property managers who prey on people with bad credit desperate to see their homeownership dreams fulfilled or people who do not speak English well and are easily befuddled by the legalese in real estate contracts. Huddleston said a person should always consult with a Texas licensed real estate agent in good standing with the local board of Realtors before entering into a real estate agreement. Palamara s situation is a cautionary story Huddleston said. It demonstrates that even people who wouldn t typically be scam victims can fall prey to a crafty scammer and an easy fix. Contact Victor O Brien at vobrienkdhnews.com or . Mortgage Fraud Quick Stats Fraud losses are estimated at between million and million. percent more reports of mortgage fraud were filed in than . pending FBI mortgage fraud investigations as of August . At least . million foreclosure filings were reported in the U.S. on . million properties in a percent increase from . Top States for Mortgage Fraud in . Florida . Georgia . Michigan . California . Illinois . Ohio . Texas . New York . Colorado . Minnesota Common Types of Scams A homebuilder needs to sell a home to cover building expenses so they acquire an inflated appraisal greater than the home s value. Someone agrees to buy the home for that price. The lender funds a loan for the cost of the building expenses thinking the buyer already paid the difference to the builder. The builder forgives the difference between the home s value and the actual loan pays off the building expenses and keeps any profit. When the home forecloses the home does not have the value the lender thought and the lender loses money on foreclosure expenses. A person contacts a person ready to sell and offers to find a home buyer. The person hires an appraiser to inflate the home s value. The person convinces a buyer to get a mortgage for the inflated amount. The seller receives the asking price and the original person makes money on a service fee based on the difference between the actual value and the inflated value. The home forecloses and the lender can t sell the home to cover the loan s cost. A homeowner facing foreclosure is contacted by a person who offers to take on the deed if they pay upfront fees. The person sometimes sell the home or acquires another loan causing the home to lose value and making the homeowner responsible for more debt and a home that can t be sold. Tips from the FBI Get referrals from real estate and mortgage professionals. Check licenses with state county or city agencies. Beware of strangers and people who contact you. Be skeptical of loans that promise no down payments. Never make false statements on loan applications especially about income or down payments. Never sign blank documents or documents with blank lines. Review title histories for properties considering buying. Source FBI s Mortgage Fraud Report Tips for renting or buying a property Contact the Better Business Bureau. Contact the Fort Hood Board of Realtors. Always ask for references. Consider using a lawyer or title company. Always read paperwork fully before you sign. To rent a property Lease through a property management agency. Do not hand over a lump sum of money upfront without consulting an attorney. Mortgage Tips Always deal with your mortgage company first before paying someone to help. Refinancing from a fixed rate mortgage and an adjustable rate is almost never a good idea. Payments may decrease in the short term but payments can become unmanageable when the rate rises and long term interest will be greater. Beware when a lender says no closing costs. Closing costs are always there but sometimes hidden in increased loan amounts. Refinancing can cause a home to cost more than it is worth making it difficult to sell the home or move without losing money. Be skeptical of out of town or door to door lenders. Lenders are required to give a good faith estimate or a truth in lending form within three business days of approaching you about a settlement. The form allows you to compare costs with other lenders. Avoid upfront application fees costing hundreds of dollars from out of town mortgage companies. Most local lenders do not charge upfront fees. Ask a mortgage professional or real estate agent if they can refer you to a good lender. When to refinance If you can decrease your interest rate. Move from an adjustable rate to fixed rate loan. When the length of the loan is shortened. Source Cornerstone Mortgage Company Where to get help Texas Real Estate Commission in Austin www.trec.state.tx.us or Better Business Bureau Central Texas Central Texas Expressway No. Harker Heights TX . Call To report a potential scam Office of the Attorney General Consumer Protection Division. Call or or go to www.oag.state.tx.us consumer complain.shtml FBI Mortgage Fraud Offices white collar crime supervisor in San Antonio. Call Texas Office of Consumer Credit in Austin. Call or The new meaning of veteran Heights gives a salute to veterans Fort Hood soldier killed in accident in Iraq News when you want it with RSS Top News Our Texas Sports Get headlines in your email Click here to register Get headlines on your cell phone Read a How to Discuss the news on our forums KDH Forums Send a Letter to the Editor This week s most viewed articles Shoemaker QB receives offer from Texas A M Killeen murder suspect surrenders Murder suspects in custody Heights officer one tough lady Fort Hood organizes mile ride to promote motorcycle safety Election totals Bell and Coryell results are in Veterans Day Closings Fate of Cove in the air Fort Hood soldier killed in Iraq Fort Hood soldier killed in accident in Iraq HOME ADVERTISE WITH US ABOUT US CONTACT US SUBSCRIBE Copyright Killeen Daily Herald. All rights reserved.
Prudential Hartford Drop Goldman First to Say Sell Update3 Bloomberg Anyone can be a victim of home mortgage fraud Killeen Daily Herald
Tue, 11 Nov 2008 19:08:50 +0000
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All Rights Reserved John Palamara is one of the last people you might think would be a crime victim. He became a victim when he tried to get out from under his Federal House Administration mortgage in the late s. The housing market took a bad turn in the late s and homes were foreclosing across the nation. Palamara sold his home to a woman from Austin offering to take over his FHA note. However he did not know that under FHA regulations he was still responsible if his note was transferred and not paid. After several months of nonpayments FBI officials knocked on Palamara s door and he learned he was the victim of a scam. Palamara said the woman was convicted on mail fraud charges but the money was not found. In the wake of the recent housing market collapse and amid a foreclosure frenzy across the nation mortgage fraud is again on the rise. According to the FBI s Mortgage Fraud Report the housing collapse and massive foreclosures have produced a ripe environment for scammers seeking to take advantage of builders sellers and homeowners caught in a crunch. Reports of mortgage fraud rose percent in with a conservative estimate of million in losses. Texas ranked among the top states in mortgage fraud during but the state has dropped out of the top so far this year. As of August the FBI had open mortgage fraud investigations nationwide. However most of the FBI s investigations involve knowledgeable people within the mortgage industry or people who lie on mortgage applications. Mortgage fraud scammers have arrived in Killeen in recent months said Deborah Huddleston of Cornerstone Mortgage in Killeen. The scammers prey on people looking to refinance their homes. They offer adjustable rates to refinance but with high upfront fees Huddleston said. The scam ends up costing unsuspecting homeowners more than if they had just handled the situation through their mortgage companies. In some instances a home will get refinanced for more than it is worth which means the homeowner can t sell the property and it still gets foreclosed on because the owner can t make the mortgage payments. An increasingly common type of scam is a foreclosure rescue scam. A person offers to save a homeowner by taking on the deed in exchange for fees paid upfront but then either refinances the home through a forged deed or sells the home. The FBI reports a similar type of mortgage fraud scheme called equity skimming. In the scam an investor uses false methods to obtain a mortgage loan in the name of another person who then gives the property over to the investor who does not make mortgage payments rents the property until it is foreclosed on after several months and walks away with the money. Another type of equity skimming involves people approaching troubled property owners and offering to repair their credit and save them from foreclosure. The person agrees to make mortgage payments by renting or selling the property and then the owner receives part of the profits. The person gets control of the property through a deed transfer rents the property receives a deposit from renters does not pay the mortgage and the home goes into foreclosure. The consequences of having a late mortgage payment or even worse a foreclosure can be horrible for a person trying to secure a loan. If you have a late payment on a house loan it doesn t matter if all the rest of your credit is perfect that will be held against you for years down the road Huddleston said. That will hurt your credit worse than everything to be late on your home loan. Huddleston said the scam is common with property managers who prey on people with bad credit desperate to see their homeownership dreams fulfilled or people who do not speak English well and are easily befuddled by the legalese in real estate contracts. Huddleston said a person should always consult with a Texas licensed real estate agent in good standing with the local board of Realtors before entering into a real estate agreement. Palamara s situation is a cautionary story Huddleston said. It demonstrates that even people who wouldn t typically be scam victims can fall prey to a crafty scammer and an easy fix. Contact Victor O Brien at vobrienkdhnews.com or . Mortgage Fraud Quick Stats Fraud losses are estimated at between million and million. percent more reports of mortgage fraud were filed in than . pending FBI mortgage fraud investigations as of August . At least . million foreclosure filings were reported in the U.S. on . million properties in a percent increase from . Top States for Mortgage Fraud in . Florida . Georgia . Michigan . California . Illinois . Ohio . Texas . New York . Colorado . Minnesota Common Types of Scams A homebuilder needs to sell a home to cover building expenses so they acquire an inflated appraisal greater than the home s value. Someone agrees to buy the home for that price. The lender funds a loan for the cost of the building expenses thinking the buyer already paid the difference to the builder. The builder forgives the difference between the home s value and the actual loan pays off the building expenses and keeps any profit. When the home forecloses the home does not have the value the lender thought and the lender loses money on foreclosure expenses. A person contacts a person ready to sell and offers to find a home buyer. The person hires an appraiser to inflate the home s value. The person convinces a buyer to get a mortgage for the inflated amount. The seller receives the asking price and the original person makes money on a service fee based on the difference between the actual value and the inflated value. The home forecloses and the lender can t sell the home to cover the loan s cost. A homeowner facing foreclosure is contacted by a person who offers to take on the deed if they pay upfront fees. The person sometimes sell the home or acquires another loan causing the home to lose value and making the homeowner responsible for more debt and a home that can t be sold. Tips from the FBI Get referrals from real estate and mortgage professionals. Check licenses with state county or city agencies. Beware of strangers and people who contact you. Be skeptical of loans that promise no down payments. Never make false statements on loan applications especially about income or down payments. Never sign blank documents or documents with blank lines. Review title histories for properties considering buying. Source FBI s Mortgage Fraud Report Tips for renting or buying a property Contact the Better Business Bureau. Contact the Fort Hood Board of Realtors. Always ask for references. Consider using a lawyer or title company. Always read paperwork fully before you sign. To rent a property Lease through a property management agency. Do not hand over a lump sum of money upfront without consulting an attorney. Mortgage Tips Always deal with your mortgage company first before paying someone to help. Refinancing from a fixed rate mortgage and an adjustable rate is almost never a good idea. Payments may decrease in the short term but payments can become unmanageable when the rate rises and long term interest will be greater. Beware when a lender says no closing costs. Closing costs are always there but sometimes hidden in increased loan amounts. Refinancing can cause a home to cost more than it is worth making it difficult to sell the home or move without losing money. Be skeptical of out of town or door to door lenders. Lenders are required to give a good faith estimate or a truth in lending form within three business days of approaching you about a settlement. The form allows you to compare costs with other lenders. Avoid upfront application fees costing hundreds of dollars from out of town mortgage companies. Most local lenders do not charge upfront fees. Ask a mortgage professional or real estate agent if they can refer you to a good lender. When to refinance If you can decrease your interest rate. Move from an adjustable rate to fixed rate loan. When the length of the loan is shortened. Source Cornerstone Mortgage Company Where to get help Texas Real Estate Commission in Austin www.trec.state.tx.us or Better Business Bureau Central Texas Central Texas Expressway No. Harker Heights TX . Call To report a potential scam Office of the Attorney General Consumer Protection Division. Call or or go to www.oag.state.tx.us consumer complain.shtml FBI Mortgage Fraud Offices white collar crime supervisor in San Antonio. Call Texas Office of Consumer Credit in Austin. 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