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1.1.6 Relation of Home Foreclosures to Other NCLC Treatises

Home Foreclosures is a new NCLC treatise. Much of the material in this treatise was formerly found in Foreclosures and Mortgage Servicing (5th ed. 2014). As the content of that treatise continued to expand with new legal requirements concerning mortgage servicing, mortgage loan modifications, and home foreclosures, NCLC split that treatise into two new volumes—Home Foreclosures (2019) and Mortgage Servicing and Loan Modifications (2019), updated at As the name suggests, Truth in Lending, Real Estate Settlement Procedures Act, state law, and other requirements for mortgage servicing are now in a separate treatise, as are loan modification programs offered by Fannie Mae, Freddie Mac, FHA, VA, RHS, and others.

A third NCLC treatise should be of special interest to those using Home Foreclosures. NCLC’s Mortgage Lending (3d ed. 2019), updated at, focuses on requirements concerning mortgage origination, including federal limits on mortgage originations and federal preemption of state laws regulating mortgage origination. Topics include ability to repay, steering, loan churning property flipping, appraisal fraud, mortgage brokers and other third party charges, limits on interest and other loan terms, reverse mortgages, land installment contracts, and litigating claims when a bank fails.