Residential Mortgage Issues
Questions to Consider
 

Are you in default or facing a foreclosure sale?

  • Have you been sent a notice of default or notice or foreclosure sale?
  • Are you being foreclosed on while still being considered for a loan modification?
  • Are you being foreclosed on even though the bank made you believe you had other options still open to you?
  • Have you been told you failed to send required documentation even though you know you sent it?
  • Have you been passed-off to numerous different bank employees who never seem to be able to help you?

Call Jeffrey Jackson & Associates, LLP for a consultation if you can answer yes to any of these questions or you think you have been mistreated in some other way during the foreclosure process.

Have you already been foreclosed on?

  • Did you receive a Notice of Foreclosure Sale and do nothing?
  • Was your home sold and you did not even know?
  • Was your home sold while the bank made you believe you had other options still open to you?
  • Was your home sold while you thought you were still being considered for a loan modification?
  • Have you been sued for EVICTION after a foreclosure sale?
  • Do you have a 24-Hour Notice to Vacate?

Call Jeffrey Jackson & Associates, LLP for a consultation if you can answer yes to any of these questions. IT'S NOT TOO LATE TO TRY TO STOP EVICTION AND REVERSE THE SALE.

Has your escrow account been mismanaged?

  • Have you had a negative escrow account balance even though you always paid what was on the statement?
  • Has your Loan Servicer failed to pay property taxes on your property?
  • Has your Loan Servicer drastically increased your monthly payments due to an escrow shortage?
  • Are you in default or in active foreclosure due to an escrow account problem?

Call Jeffrey Jackson & Associates, LLP for a consultation if you can answer yes to any of these questions or you have some other problem with your escrow account you need legal advice to solve.

Do you know who owns your mortgage loan?

Loan audits and proper research can reveal the probability of fraud in mortgage documents associated with your loan.

Research may show that your loan was securitized by Wall Street and can reveal the parties affiliated with your loan’s securitization into a Wall Street Trust.

The current foreclosure crisis has brought into focus an area of foreclosure defense that, until in recent years, was rarely controversial – the right and power of an assignee of mortgage indebtedness, acting for itself or through an agent, to foreclose and collect on real property. Mortgage securitization, including records of mortgage transfers, were sometimes not created and/or maintained, and often can be difficult -- if not impossible -- to locate.

Jeffrey Jackson & Associates, LLP fights to determine the sufficiency of the banks' assignment paperwork in all cases in which title and/or the validity of a foreclosure sale is litigated in the residential mortgage context.

Do you have a home equity loan?

  • A home equity loan is a special kind of mortgage transaction in which you use the ownership equity you have in your home to get a cash loan from the bank.
  • Texas has strict homeowner protection laws that only apply to home equity loan transactions and foreclosures.
  • Are you in default on your home equity loan?
  • Have you been sued for “expedited foreclosure”?
  • Have you been sent a Notice of Sale on your home equity loan?

Call Jeffrey Jackson & Associates, LLP for a consultation if you can answer yes to any of these questions or you think you have been mistreated in some other way related to your home equity loan.