Tag Archives: Modification

With All the Obama Legislation and Speak About Loan Modifications, it really is a Wonder if Anyone Even Knows the US Loan Modification Laws

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Miami, FL (PRWEB) September 10, 2009

http://www.UsLoanModificationLaw.com launched their new Loan Modification Laws internet site with the purpose of assisting consumers and businesses with the loan modification procedure by delivering them with accurate and up to date data of every state accompanied with compliance and regulations data for every single state.

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In today’s economy numerous Americans are facing foreclosure and the only location to turn appears to be in the direction of obtaining a Loan Modification, but with so many diverse businesses supplying Loan Modifications and all the diverse price tag points it is hard to know which way to go. But with a copy of the State Loan Modification Laws at hand you’ll have the understanding of realizing what the possibilities are and be much better prepared for the loan modification procedure.

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With the need for Loan Modifications rising a lot more and much more each day, it brings a lot more and far more space for companies to begin aiding and assisting Americans by means of this procedure. When a firm wants to offer you loan modifications to their customers the very first factor they want to do is turn out to be familiar with the Loan Modification Law which differs from state to state. Obtaining these laws close by is essential to a companies compliance and general future in the loan modification industry.

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Below President Obama’s Loan Modification Strategy 75 billon dollars have been allocated to aid struggling home owners remain in their property and keep the housing marketplace from continuing to plummet. Even so, more than 50% of the loans modified in the first quarter of 2008 went undesirable on their payments. Specialists say this is because early loan modifications were not appropriately engineered to function. This is why it is so essential for buyers looking for out loan modifications and Loan Modification Companies to remain up to date with the Loan Modification Laws of their state.

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The major driving factor behind a loan modification is to reduce the homeowners’ month-to-month payment, assisting them afford to stay in their home. The previous actions of the lending marketplace have lots of Americans facing rising interest prices because their loan’s fixed period has run out or they have been provided a adverse amortizing loan with a minimum payment of 1-two% till the finish of five years when the loan recasts. Then at such time the homeowner is not ready for the enormous rise or improve in their payment

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http://www.usloanmodificationlaw.com/ believes it is quite crucial for shoppers and company to know all the states’ laws in order to supply the ideal preparation for the very best achievable loan modification. UsLoanModificationLaw.com hope their internet site will be a service to all in need.

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FreeLoanWorkout.com, Inc. Announces Release of Cost-free Loan Modification Method

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Irvine, CA (PRWEB) October 1, 2009

FreeLoanWorkout.com, Inc., (“FLW”) an Irvine primarily based Net Organization, is pleased to announce its release of http://www.freeloanworkout.com, effective Saturday, October three, 2009.

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The website creates an internet bridge between homeowners and their mortgage servicers, offers web based education modules, and making use of an automated underwriting engine, processes a homeowner’s loan modification request. The education modules, developed by Mortgage Workout Center (“MWC”), a vital partner in this project, give a wide range mortgage and housing associated education segments. The service is free of charge of charge to home owners and participating financial institutions. Even if a homeowner’s mortgage servicer does not participate, the internet site will still make a modification eligibility determination, procedure the homeowner’s application, and allow the homeowner to print all necessary types to submit directly to their servicer – all totally free of charge.

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FLW specifically developed the free internet service to assist property owners in determining eligibility for specific loan exercise programs obtainable to them based on their loan variety. The applicable programs contain, but are not restricted to, the FDIC’s Loan Modification Program (“Mod in a Box”), Obama Administration’s Creating House Inexpensive System, Home Affordable Modification Program, House Affordable Refinance, and Freddie Mac Relief Refinance Mortgage.

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The result of this new modification method is an crucial step for home owners. Understanding their choices will re-establish hope, give them empowerment, and freedom during their time of hardship. The foreclosure crisis has placed a important strain on our economy. One of the most important components to recovery involved the stabilization of the housing market and homeowner self-assurance, both with go hand-in-hand. Empowering home owners with the info that they need to have to make informed choices, primarily based on tangible choices, will give property owners a higher sense of handle over their current monetary standing.

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“Today, confidence in the monetary services sector remains deteriorated, leaving many homeowners feeling that their loan servicers are unsympathetic to their existing hardship. Furthermore, several homeowners are plagued by the negative psychological effects of their circumstances, which only immobilizes them additional”, mentioned John Trinh, CEO of FLW. “FreeLoanWorkout.com is an crucial step towards our nation’s lengthy-term efforts to address the existing foreclosure crisis and establishing a new sense of neighborhood.”

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About FreeLoanWorkout.com

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FreeLoanWorkout.com (FLW) offers on-line guidelines base decisioning targeted to the residential mortgage industry. FLW custom internet portal enables homeowners to establish their eligibility for government assistance applications such as Generating Home Cost-effective. Property owners can very easily access and produce investor particular forms and requirements essential in order to complete an application for a loan workout. FreeLoanWorkout.com is a cost-free service. For more data, get in touch with John Trinh (949) 209-6981 or go to http://www.freeloanworkout.com. Members of the Press could demo the web site prior to its release. For much more information email john@freeloanworkout.com.

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About MortgageWorkoutCenter.com

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Mortgage Exercise Center (MWC) gives Net video learning solutions targeted to the economic solutions sector. The MWC flagship product is the “Interactive Video Remedy” (IVS) which permits consumers to swiftly deploy up to the minute educational video info to its buyers by means of their current site. Entirely branded and customized options can be deployed in days, allowing MWC customers the ability to far better educate their customers through the Web. For far more info, speak to Bob Sullivan 954-325-2102 or go to http://www.mortgageworkoutcenter.com.

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A lot more Loan Modification Services Press Releases

SB 94 is Company as Usual for A single California Loan Modification Company

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Del Mar, CA (PRWEB) October 13, 2009

California homeowners looking to modify their home mortgages gained an important victory Monday when Governor Arnold Schwarzenegger approved Senate Bill 94.

The bill abolishes the common practice in the loan modification sector of collecting advance fees prior to completing any loan modification services.

The new law, which aims to reduce the amount of fraudulent activity in the industry, will force many loan mitigation companies to close their doors while many others will scramble to come into compliance.

For one company, however, it is a vindication of well-established business practices. American Mitigation Law Group has been performing California loan modification services with no advance fees since April 2009, well before Monday’s bill became law.

The Del Mar-based company fully completes each and every service it has contracted to perform for its clients prior to collecting any fees. This allows AMLG’s clients to see the results of the contracted work performed by AMLG before any payment is required.

In an industry where the norm has been to accept advance fees prior to performing any services, American Mitigation Law Group is a unique company that fully understands the benefits of SB 94 for both homeowners and businesses alike.

Over the next few years, third party mitigation companies should play a vital role in assisting the many state residents that are facing difficult times with their homes and mortgages.

The passage of SB 94 in California goes a long way to help legitimize the loan modification industry. It certainly acknowledges the important role loan mitigation companies play in bringing California out of its massive housing slump.

Still, the law’s abolishment of advance fees cannot completely eliminate cases of fraud. Consumer education is important to reduce the number of people getting scammed.

AMLG has established a California SB 94 fact page designed to educate homeowners. The information can be reached via the company’s home loan modification website at http://www.amlawgroup.net. Click “Resources” and then select “California SB 94” from the drop down.

Through these turbulent times, AMLG will continue to serve the residents of California and welcomes these new and beneficial changes to its industry.

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Loan Modification Company Desires Property owners to Recognize SB 94

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Del Mar, CA (PRWEB) October 22, 2009

On Monday, October 12, it was announced that California Governor Arnold Schwarzenegger had signed SB 94 into law, efficiently ending the practice of loss mitigation organizations charging advance charges.

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American Mitigation Law Group, a law firm serving the California loan modification marketplace, is a proponent of SB 94 and had been employing the “No Advance Fee” model properly ahead of the law was enacted. The organization is hopeful that situations of fraud in the sector will be considerably lowered as firms are held more accountable for how they charge for their services.

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Even so, it really is crucial to note that the passage of the law is only one particular step to curbing fraud in the business. Homeowner education is each and every bit as crucial since fraudulent companies can manipulate these that haven’t been correctly educated on the problem.

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For example, the California Division of Actual Estate has long maintained a list of individuals and businesses that had been issued “No Objection” letters to their advance fee-primarily based contract.

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Even although the DRE especially states on its web site that these agreements are no longer valid below SB 94, some companies might still attempt to use it on unsuspecting property owners.

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AMLG would like to make sure this does not occur and that anyone engaging in discussions about a loan modification is conscious of their rights under SB 94.

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As such, the firm has established an SB 94 Regularly Asked Inquiries resource on its residence loan modification website. Basically click on “Resources” across the best menu and select “California SB 94.”

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The questions and answers contained inside the FAQ must aid these in need to have of a loan modification far better recognize SB 94 and prepare themselves for any discussion with a loss mitigation firm.

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Property owners ought to be advised that a lot of firms are struggling to grow to be compliant with the new regulations below SB 94 however, AMLG, is undertaking organization as usual following months of experience carrying out loan modifications in a manner now essential by law.

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Rather than struggling to become compliant, the company can focus all its efforts on its client’s requirements and it will be capable to continue delivering resources and help that make a distinction to those in need of help.

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Uncover More Loan Modification Services Press Releases

National Campaign Empowers Property owners to Combat Loan Modification Scams and Support Property owners Facing Foreclosure

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Los Angeles, CA, (PRWEB) October 26, 2009

Right now in Los Angeles, a partnership of regional, state and national government agencies, nonprofit organizations and monetary institutions gathered at City Hall to launch a national public education campaign designed to aid property owners shield themselves against loan modification scams, locate trusted help and report illegal activity to authorities. This was the first of numerous kickoff events scheduled to announce the “Loan Modification Scam Alert” campaign rollout in main cities across the country.

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The national foreclosure rate has reached an all-time higher of 7.97 %, and millions more foreclosures are anticipated in coming years. “As the foreclosure price grows, a lot more and far more home owners are being deceived by scam artists who prey on their fears,” mentioned Eileen Fitzgerald, Chief Operating Officer of NeighborWorks America. “This campaign is primarily based on the belief that expertise is the best defense, which is why the campaign equips home owners with the tools they need to have to reduce their risk and quit scammers in their tracks.”

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Los Angeles is a single of numerous metropolitan regions in California to consistently rank amongst cities with the highest foreclosure prices. It has the highest quantity of homes in foreclosure in the nation. “Too many residents in Los Angeles, like homeowners nationwide, are losing thousands of dollars and their homes to scam artists who make massive promises and then do small or nothing to support them save their houses,” said Los Angeles Mayor Antonio Villaraigosa. “Anyone can be a victim and the folks of Los Angeles need to have to know what resources are obtainable to them. They need to have to know that legal aid groups, financial institutions, and HUD-certified counselors are supplying free of charge solutions to any individual seeking aid.”

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In April, Mayor Villaraigosa announced a path breaking city ordinance to improve protections for Angelenos against fraudulent mortgage loan modifications. This measure – the 1st of its sort in the United States – fills a crucial gap in the regulation of mortgage consultants and grants rights to homeowners at danger of foreclosure. The ordinance protects homeowners, imposes harsher penalties on scam artists, and informs Angelenos of their rights as residents of Los Angeles.

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In addition to remarks from Mayor Villaraigosa and Ms. Fitzgerald of NeighborWorks, the kickoff occasion featured representatives from LA City Council, the nearby faith-based community, the Federal Trade Commission and Los Angeles Neighborhood Housing Solutions, Inc. Also present had been local home owners who shared their individual experiences with loan modification scams to inform other property owners in their community about this activity.

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NeighborWorks America will coordinate the nationwide effort by means of its 235 neighborhood-primarily based affiliates and other neighborhood, state and national partner organizations, such as the Department of Housing and Urban Development (HUD), the Federal Trade Commission, the U.S. Department of the Treasury, Fannie Mae, Freddie Mac and the Lawyers’ Committee for Civil Rights Under Law.

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With each other, the partners aim to reach thousands of distressed home owners in hundreds of communities at higher danger for fraud activity. The campaign will target all audiences, but its sources are focused sharpest on those groups that have already seen higher levels of scam activity, like seniors, Hispanics, African Americans and Asian Americans.

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As portion of the campaign, information, resources and reporting capabilities are now available around the clock at http://www.LoanScamAlert.org and by calling 1-888-995-HOPE (4673). Community groups might also visit the Net website to access campaign components available for download and distribution in their area.

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Via real-life scam stories, collateral components, print advertising, neighborhood radio PSAs, events, word of mouth and social media activity, the campaign will educate the public about the warning indicators of a loan modification scam. “Borrowers have to keep away from any person or firm that asks for a charge in advance, guarantees a loan modification or tells you to spend them rather of paying the mortgage. Only a lender can guarantee a loan modification and they do not charge,” mentioned Lori Gay, president and chief executive officer of campaign companion Los Angeles Neighborhood Housing Services, Inc., 1 of the 235 organizations in the NeighborWorks network.

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Property owners are also urged to report scam activity at as soon as to the proper authorities through the campaign Internet web site and hotline. “We want to stress how essential it is for folks to find out the indicators of a scam and quickly report any encounter that just does not ring accurate,” mentioned Tom Syta, assistant director of the FTC’s Western Region. “Scammers are out there attempting to take advantage of people in a difficult spot. The campaign is creating it simpler for property owners in distress to fight back, and aid us shut scam artists down.”

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The partnership has designated November as “National Loan Modification Scam Awareness Month” and will market a variety of particular events and initiatives throughout the month. In the coming weeks, the campaign will also travel to Miami (Oct. 29) and Columbus (mid-November). For far more information about the campaign go to http://www.LoanScamAlert.org.

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A Webcast of the Los Angeles occasion will be available on-demand anytime after noon PST on Oct. 26 at: http://media.xfactorcom.com/loanmodificationscamalert/20091026/.

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About NeighborWorks America

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NeighborWorks America is a national nonprofit organization designed by Congress to offer monetary support, technical assistance and coaching for neighborhood-based revitalization efforts. NeighborWorks contains a national network of 235 neighborhood-primarily based organizations in 50 states, which strives to develop healthier communities by way of the operate of thousands of residents, enterprise folks, government officials and other partners.

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Bank of America Delivers Ideas to Home owners to Streamline the Modification Procedure

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Calabasas, CA (PRWEB) December 4, 2009

In todays economic atmosphere, many home owners are struggling to preserve up with their monthly mortgage payment. New and established homeownership retention and foreclosure prevention applications provided by mortgage servicers and the federal governments Creating House Reasonably priced (MHA) can help ease some of the burden.

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Within MHA, the Home Cost-effective Modification Plan (HAMP) gives borrowers who have knowledgeable a economic setback an chance to possibly accomplish far more affordable mortgage payments by guaranteeing the payments are no a lot more than 31 percent of their monthly gross revenue. It begins with a trial period when borrowers are needed to make adjusted month-to-month payments for three months. During the trial period, borrowers need to submit specific documents to verify their revenue to qualify for a permanent modification of their loan terms. If the info and the trial period payments are not received by the servicer in a timely style, borrowers will be unable to continue in the program.

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The first step struggling homeowners ought to take is to have their financial documents in order, mentioned Ken Scheller, who manages the House Retention Division for Bank of America Property Loans. Servicers will ask distinct concerns about income and hardship to aid greater understand the homeowners situation and figure out the best options obtainable.

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Homeowners who have fallen behind on their mortgage payments or are at imminent risk of falling behind on their mortgage payments due to a monetary hardship could be eligible for HAMP. Suggestions to the plan were created by the government and apply to property owners who meet the following qualifications: &#13

United Law Group Litigating on Behalf of Property owners Victimized By Lenders and Servicers Who Arent Honoring President Obamas Property Cost-effective Modification System (HAMP)

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Irvine, CA (Vocus) December 9, 2009

United Law Group these days announced a plan to aid distressed existing and former homeowners by filing litigation and class action lawsuits against lenders and mortgage servicers. Any person that has been harmed by these firms can get in touch with the firm for a free consultation or to be entered into the class action suit for no charge.

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United Law Group is at the moment reviewing complaints for circumstances against significant monetary institutions which includes Bank of America, Wachovia, Ocwen, JP Morgan Chase, Washington Mutual, and other people. This national law firm has active lawsuits against Bank of America and its subsidiary Countrywide Property Loans, Inc. (case quantity 30-2009 00121999) and JP Morgan Chase and its subsidiary Washington Mutual (case number 30-2009 00122403) for tortuous interference with contract, defamation (slander) and unfair enterprise practices (pursuant to B&ampP Code

1st Foreclosure Prevention Provides Loan Modification Assistance To Debtors

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Huntingdon Valley, PA (PRWEB) December 12, 2009

The existing recession has left millions of folks jobless and most of them discover it quite challenging to make each ends meet in their family. Most individuals who have purchased their initial house or house have gone bankrupted in just couple of months of time. Numerous have lost their jobs and found it difficult to repay the mortgage loans. As a result, some of the properties have been seized and some witnessed foreclosure. All these facts and figures have grow to be a myth these days with the government revitalization procedure via their The Homeowner Affordability and Stability Plan. The team of 1stforeclosureprevention.com seeks a new path of enlightenment for the debtors by way of this system.

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The authorities from this loan modification firm report that the government has decided to revitalize the $ 75 billion Support For Home owners which are stagnant to the current date. This will give further hopes and powers for the lenders to modify the current loans and the buyers can take the maximum benefit of this. The financial expert teams from 1stforeclosureprevention.com strongly think that purchasers need to take the help from them although approaching the lenders with regards to the approach. Any incorrect move by the purchaser can prove to be fatal once more. Hence, the appropriate sort of method would be to have the experts by the purchasers side that can bargain and advantage the parties. The modification requests will never be declined and in obtaining the governments help.

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President Obama has provided some hopes for the lenders and the defaulted purchasers relating to producing home inexpensive plan. Now the complete procedure can take spot at lightening speed and the parties will be prepared to negotiate the payments. This can be made fruitful by getting professionals from 1stForeclosurePrevention.com by the purchasers side. They guarantee that all the records are best and stick to the recommendations. A far better negotiation will take place on behalf of the buyers. Qualified house owners can apply for this modification process and the lenders are extremely happy to volunteer themselves even though it is not mandatory. A current study reports that there is an boost in the accomplishment rate of about 40% since of the government revitalization process. The group of 1stForeclosurePrevention.com will ensure your good results in the loan modification procedure due to revitalization of the Property Affordability Plan.

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This is a Spend-for-Overall performance Good results payment method that will advantage the purchasers as well. The borrowers will acquire a compensation quantity if they stay current in their payments. This amount will decrease the principal balance on their loan quantity. 1stForeclosurePrevention.com assures you to get $ 1000 each and every year by their specialist approach and unwind your repayment schedule and mortgage amounts.

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About the Business:&#13

1st Foreclosure Prevention is a loss mitigation organization that closely associates itself with the property owners and aids them to stop foreclosure. They render their solutions in each and every state in the United States and they deal with all sorts of mortgage payments. Their immense knowledge of more than ten years in the loss mitigation department will save the properties for the buyers even below extreme monetary crisis.

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Florida’s Affordable Loan Modification Business Keeplivinginyourhome.com Comments On Rise In Foreclosures

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Boca Raton, FL (PRWEB) December 21, 2009

With the existing unemployment price in the U.S. rising to almost 10%, the foreclosure crisis has impacted practically 938,000 properties amongst July to September, compared with 890,000 in the earlier quarter, and a 23% increase from the third quarter of 2008. According to RealtyTrac, if this trend continues, foreclosures may hit about 3.five million this year, compared to two.three million homes last year.

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With foreclosure prices rising, it is critical for property owners to be educated about how they can avoid foreclosures. Although the Federal Governments $ 75 billion loan modification system has accomplished its objective of starting trial loan modifications for 500,000 financially-troubled home owners, a huge quantity of property owners are still at threat, said Farid Dallal, owner and CEO of Keeplivinginyourhome.com Loan Modifications.

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According to Mr. Dallal, although numerous lenders consider troubled homeowners for a mortgage modification to steer clear of foreclosure, a lot more borrowers could face foreclosures as their moratoriums end. I think that home owners must be given the opportunity and support needed to preserve their properties. The loan modification procedure can be quite confusing for home owners. The reality is there are no genuine set parameters that qualify a homeowner for a modification, mentioned Mr. Dallal.

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He also added that most banks are at the moment taking amongst six months to a year to make a decision on a mortgage application. Quite often, soon after waiting for so lengthy, the loan modification is denied and the homeowner has to eventually face foreclosure. Purchasers who apply for loan modifications need to 1st realize what the approach entails. Loan modifications can affect your credit rating by a 50-one hundred points. If your economic situation is only temporary, it may not be the very best alternative considering that it would be tough to rebuild your credit.

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To avert a foreclosure, Mr. Dallal advises borrowers to get in touch with their lender to go over foreclosure prevention alternatives as quickly as they comprehend they have a issue generating payments the longer they wait, the fewer options they may have. They must also be wary of foreclosure recovery scams and educate themselves about their mortgage rights and foreclosure laws and time-frames in their state.

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At Hold Living In Your Home, we think the greatest way to keep in your home with an cost-effective payment is to assess the existing circumstance and decide what methods are required to qualify for a refinance. A refinance has set parameters that have to be met in order to qualify, which helps our loan officers determine what needs to be carried out to make the refinance a reality, Mr. Dallal commented.

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For more info, contact 1-877-500-3001 or check out http://www.keeplivinginyourhome.com/loanmodification/loan-modifications/checkeligibility.asp

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About Keep Living In Your Property, Inc.

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Maintain Living In Your Residence is a cost effective loan modification company, that offers loan procedure, refinance, property obtain, debt consolidation, and house equity loan solutions. The company gives consumers with the knowledge they need to make the appropriate decisions to move forward with the loan approach. With its very knowledgeable and skilled mortgage consultants and processing division, Keeplivinginyourhome.com Solutions offers consumers the greatest loans to fit their wants. As an business leader, the company takes pride in its vast knowledge of the mortgage industry and the items it delivers to borrowers. For much more details, pay a visit to http://www.keeplivinginyourhome.com/loanmodification/loan-modifications/states.asp?id=32

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Keeplivinginyourhome.com is now focusing its loan modification services on the comply with states. Alabama Loan Modification, American Samoa Loan Modification, Arizona Loan Modification, California Loan Modification, Colorado Loan Modification, Connecticut Loan Modification, District of Columbia Loan Modification, Federated States of Micronesia Loan Modification, Florida Loan Modification, Guam Loan Modification, Hawaii Loan Modification, Idaho Loan Modification, Indiana Loan Modification, Iowa Loan Modification, Kansas Loan Modification, Extended Island Loan Modification, Louisiana Loan Modification, Maine Loan Modification, Massachusetts Loan Modification, Michigan Loan Modification, Minnesota Loan Modification, Missouri Loan Modification, Montana Loan Modification, Nebraska Loan Modification, Nevada Loan Modification, New Hampshire Loan Modification, New Jersey Loan Modification, New Mexico Loan Modification, New York Loan Modification, North Carolina Loan Modification, North Dakota Loan Modification, Oklahoma Loan Modification, Oregon Loan Modification, Puerto Rico Loan Modification, Rhode Island Loan Modification, South Carolina Loan Modification, Tennessee Loan Modification, Texas Loan Modification, Utah Loan Modification, Virgin Islands Loan Modification, Virgina Loan Modification and Washington Loan Modification.

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Connected Loan Modification Services Press Releases

Best 10 Ideas to Assist Stay away from Foreclosure and Loan Modification Scams in 2010

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Washington, D.C. (PRWEB) January 13, 2010

At a time when many Americans are contemplating new resolutions and life adjustments, staying financially vigilant need to stay a priorityespecially for homeowners. For the duration of 2010, an estimated four million households are expected to face the danger of foreclosure. Millions of homeowners will attempt to decrease their mortgage payments with a loan modification.

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The national Loan Modification Scam Alert campaign has place with each other 10 tips to aid homeowners searching for foreclosure prevention assistance this year:

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1. Make contact with your lender initial as soon as you get concerned about paying your mortgage.

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2. Decide your possibilities by speaking to your lender’s loss mitigation division.

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three. Be patient but persistent with your lender, since obtaining a loan modification requires time.

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4. Contact the Homeowner’s HOPE Hotline at 1-888-995-HOPE. Trained counselors are available 24 hours a day to supply assistance in several languages.

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5. Connect with a neighborhood HUD-authorized counseling agency for cost-free by calling 1-888-995-HOPE or visiting http://www.LoanScamAlert.org.

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6. Beware of loan modification scams. Some businesses and people are out to take advantage of home owners searching for loan modifications.

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7. Stay away from anybody who asks for a charge prior to delivering any loan modification service, like firms, individuals and even some lawyers.

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8. Keep away from anyone who guarantees to get your loan modified or quit a foreclosure, since no one has the power to make this promise.

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9. Keep away from firms that tell you to stop paying your mortgage and to pay them rather. This is a positive sign of a loan modification scam.

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10. Report loan modification or foreclosure scams at any time by visiting http://www.LoanScamAlert.org or calling 1-888-995-HOPE (4673).

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About the Loan Modification Scam Alert Campaign&#13

Loan modification scams are proliferating at a rapid pacecosting unsuspecting homeowners thousands of dollars and often their homes. To aid combat this problem, Congress asked NeighborWorks America