Any time you’re negotiating a mortgage please remind the mortgage broker that he or she has a fiduciary relationship with you. This means that they have to put your interests ahead of theirs.
[Point to California Civil Code Section 2923.1….readily available on the web.]
Please visit the following web sites or call the numbers given to assist you with mortgage modification issues before you decide to contact us:
- Mortgage Debt Counseling
- Mortgage Counseling
Also note that no one can demand an advance payment for mortgage modification services, Cal Civil Code 2944.7(a)(1) for residential real property, 1-4 units.
If all else has failed let’s talk about bankruptcy which for a period of time stops all collections and foreclosure activities.
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