Mortgage Servicing and Loan Modifications

The Definitive Guide to Homeowner Rights & Mortgage Servicing Litigation

The essential treatise for navigating federal and state mortgage servicing disputes, analyzing servicer abuses, and securing loan modifications.

Core Legal & Regulatory Coverage

• Federal Servicing Protections: In-depth analysis of RESPA and TILA discovery and dispute rights, periodic statement rules, prompt crediting of payments, transfer-of-servicing requirements, escrow regulations, and force-placed insurance disputes.
• CFPB Regulation X Updates: Practical guidance on recent changes covering forbearances, deferrals, successor-in-interest rights; loss mitigation procedures, dual-tracking protections, and streamlined loan modifications.
• Agency-Specific Loss Mitigation Programs: Tailored and updated discussion of foreclosure alternatives available for federally backed mortgages, including an extensive discussion of the new options for FHA-insured and RHS-guaranteed borrowers.
• Disaster & Post-Pandemic Relief: Specialized analysis of homeowner rights following natural disasters, post-COVID protections, and Homeowner Assistance Fund (HAF) protocols.

State-Level Analysis & Litigation Tools

• 50-State Law Breakdown: Comprehensive state-by-state comparative analysis covering local mortgage servicing laws, payoff statement requirements, and mortgage discharges.
• Litigation & Remedies: Actionable strategies for pursuing servicer litigation, establishing consumer damages, and preventing improper foreclosures.
• Ready-to-Use Practice Tools: Key federal statute reprints, agency policy statements, foreclosure prevention practice aids, and over 300 sample pleadings.