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OCC: Fraud Resources
File a Complaint. Regulatory agencies, such as the Federal Trade Commission ( FTC), generally do not resolve individual consumer complaints, so why should .
http://www.occ.treas.gov/topics/consumer-protection/fraud-resources/index-fraud-resources.html

Mortgage Elimination | The 7th Fire
Qualified professionals may have mortgage solutions for you that can set you free from mortgage problems forever through ethical and legal mortgage elimination . of Freddie Mac, were sued by the U.S. Securities and Exchange Commission for . agencies began a targeted review of loan servicing practices at large .
http://the7thfire.com/freedom_sovereignty/mortgage_elimination.html

Investment Property and Sophisticated Users - Searchlight Crusade
Mar 21, 2012 . "What you need to know about mortgages and real estate. . Particularly in combination, each of them hoping for a big commission (the agent from a house beyond . But because you have promoted yourself to someone trying to make money . your agent and loan provider could probably eliminate half the .
http://www.searchlightcrusade.net/2012/03/investment_property_and_sophis_1.html

Predatory lending articles list and case law about mortgage fraud ...
But they face one big catch: Though Wells Fargo services their mortgage and is . The foreclosing agent must be the original investor and produce the ORIGINAL NOTE. . enough to make subprime lenders stop marketing and approving risky loans. . a mortgage lender and servicer has settled Federal Trade Commission .
http://mortgage-home-loan-bank-fraud.com/articles.html

Benefits of Losing the mortgage elimination agents making big commissions

Knee Deep in Debt - Federal Trade Commission
Federal Trade Commission Protecting America's Consumers . Some agencies limit their counseling services to homeowners with FHA mortgages, but many offer free help to any homeowner who's having trouble making mortgage payments. . You are making a big decision that involves spending a lot of your money that .
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre19.shtm

  • 10 Things Your Mortgage Lender Won't Tell You: Mortgage Center ...
    "A loan is a product, and just as in any business where you make money by selling a product, . "A Slightly Higher Rate for You Means a Big Paycheck for Me . . In 1993, the Federal Trade Commission charged Lomas Mortgage USA, one of the nation's . A real estate agent who directs you to his or her favorite lender is not .
    http://loan.yahoo.com/m/primer11.html

    MORTGAGE REDUCTION - MISLEADING MARKETING
    isn't too large, but the Choice example shows this benefit may not be there for the . In fact, some claim that you can cut years off your mortgage “without making extra repayments”4. . mortgage advice (or “mortgage elimination” as it is termed on some . Mr. & Mrs. b met a mortgage broker's agent at the local supermarket.
    http://www.consumeraction.org.au/downloads/DL59.pdf

Debt Free Sovereign Trust -- "Owe no one anything"
The best debt elimination program. . After making sure that the buyer has the ability to pay the required monthly payments (the buyer . And how can the buyer mortgage a property that does not yet belong to him or her? . by aiding and abetting Magic Bank in its commission of its crimes against the buyer and the people .
http://www.freewebs.com/debtfreesovereign/

Meeting the Requirements

As far as your lender is concerned, here are the typical requirements you usually must meet to eliminate your escrow account:

  • Your mortgage is at least one year old, and you have made on-time payments consistently for the entire year
  • LTV (loan-to-value ratio) has to be under 75%
  • Loan has to be a conventional loan (VA and FHA loans typically cannot shed their escrow accounts; it is part of the condition of a government-backed loan)
  • No taxes or insurance payments can be due in the next 30 days

On the front lines against mortgage fraud. Dearborn Mortgage Fraud
This way, they can close a larger loan and make a bigger commission. . individual, commissioned loan officers, mortgage brokers or real estate agents. . advertisement that promote the elimination of mortgage loans and credit card and other .
http://www.mireoappraisals.com/MortgageFraud

Making the Payments Each Year

The Mortgage Elimination "Scam"
Aug 27, 2007 . The fact and fiction about eliminating your mortgage. . The FBI recently raided the office of the Dorean Group, a big promoter of the mortgage elimination scheme. . and commissions based on the total amount of debt that can be forgiven. . the Internal Revenue Service, or other federal or state agencies.
http://ezinearticles.com/?The-Mortgage-Elimination-Scam&id=705467

Need your North Carolina home quickly by auction
How to eliminate your monthly mortgage payments while selling your house. . We feel this should be the first option to look at before making any decision. . equity in it to pay all the closing costs and a real estate agent's commission. . that big commission on top of the thousands of dollars of additional mortgage payments.
http://www.cansellnow.com/sellingquickly.html






Beware of First-Time Home Buyer Pitfalls | Mortgage Rates ...
Aug 7, 2010 . After all, buying a house is an enormous commitment, and making educated . When searching for a real estate agent, first-time home buyers will want to be . but then only show his client the loans that earn him bigger commissions. . pay bills on time and pay down debts) and eliminate any errors on your .
http://www.banks.com/mortgage/beware-of-first-time-home-buyer-pitfalls/


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Comments to How to Break Free from Your mortgage elimination agents making big commissions

  1. Sell for as little as 2% + $500 - Findlay OH Homes for Sale and Real ...
    As a FullService, Discount Realtor, I offer four commission plans . Have you ever wondered why it cost so much to have an agent sell your home? . Do you honestly believe that those commercials make any difference at all in SELLING YOUR HOME in Findlay, . Large commissions Oh yeah, they are also a business.
    http://www.dougsellsproperty.com/sellers_page.shtml

    wrc1000

  2. Great idea – why give the mortgage company an interest-free loan?

    The Exemption Process and Debt Elimination
    Mar 2, 2012 . You can discharge Credit Card Debt, Student Loans, Mortgages, Auto Loans, . The Federal Reserve Bank is a total money making machine. . "A large and growing number of analysts, on the other hand, now regard the . land, architect's fee, sales commissions, building permits, and that sort of thing and .
    http://educationcenter2000.com/Federal_Reserve.htm

    REPORTED SUSPICIOUS ACTIVITIES
    fraud; occupancy fraud; employment and income fraud; debt elimination fraud; . industry insiders such as mortgage brokers, real estate agents, property . Identity theft was frequently reported in conjunction with the commission of . background checks on mortgage brokers making it possible for unethical individuals to .
    http://www.fincen.gov/MortgageLoanFraud.pdf

    'The Housing Boom & Bust' book review - - Vinton Today, A News ...
    Feb 4, 2012 . Mortgage Companies, Banks, Real Estate Agents, Wall Street brokers were making profits and big commissions during this time, but that . cause of the housing collapse completely eliminating themselves as having anything .
    http://www.vintoniowa.org/articles/Opinion/article105859.html

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  3. Tips on picking a Real Estate Agent - Making a Short List!
    The first thing we need to do is make a list of all the Real Estate Agents in your local Area. . Although it does not eliminate them altogether there is an 'indication ' or impression that a particular company does . A good article since the agent gets a big commission they should be good. . You need a job to get a mortgage.
    http://agvulpes.hubpages.com/hub/Tips-on-picking-a-real-estate-agent

    Mortgage Elimination Schemes
    Oct 5, 2010. Denver Real Estate Agent and Mortgage Broker Indicted in Mortgage Fraud . “ In today's housing market, mortgage elimination schemes become very . Malone believes lenders can do more, such as making sure that brokers' client . Big institutions have to go through a risk education process to try to .
    http://www.flippingfrenzy.com/category/mortgage-elimination-schemes/

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  4. Housing Bubbles - The Joy of Economics
    Feb 2, 2011 . The Joy of Economics: Making Sense out of Life . Mortgages such as mine provided lenders with safe and predictable rates of return. . riches and real estate agents, eager for more and bigger commissions, assured consumers . To encourage potential buyers, banks lowered or eliminated required down .
    http://faculty.winthrop.edu/stonebrakerr/book/housing.htm

    Edwin

  5. Understanding the Incentives of Commissions Motivated Agents ...
    products.1 Third, the industry is large, with approximately 44 billion dollars of premiums . icy debate about whether commissions motivated agents are suitable for . intermediaries have an incentive to mis-sell, competition may eliminate misbehavior. . demonstrates mortgage buyers in the U.S. make poor decisions while .
    http://www.centre-for-microfinance.com/wp-content/uploads/attachments/csy/1918/Life%20Insurance%20Agents.pdf

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  6. Nationally recognized statistical rating organization - Wikipedia, the ...
    Originally, seven rating agencies were recognized as NRSROs, a number that . 1 History; 2 Controversies; 3 Subprime mortgages, CDOs, and the financial crisis . upon by other regulated entities, not just the entity making the original request. . The single most important factor in the Commission staff's assessment of .
    http://en.wikipedia.org/wiki/Nationally_recognized_statistical_rating_organization

    Thanks for the question!

    Strategic Default on Your Mortgage | Lodmell & Lodmell
    The decision to strategically default on your mortgage should be made rationally, and . thus eliminating their right to pursue you individually for any deficiency. . COLLECTION AGENTS – Most people are pretty terrified of these guys. . of these loans to investors making bigger and bigger commissions for their services, .
    http://www.lodmell.com/protect-wealth/strategic-defaults-mortgages

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  7. Real Estate Sales Agent Careers, Jobs and Training Information ...
    Commission earnings are vastly increased when the agent sells and lists a piece of . The agent must make certain that all of the mandated and agreed-upon . for real estate brokers and sales agents tends to be concentrated in large urban . in property development, mortgage financing, management, and other subjects.
    http://www.careeroverview.com/real-estate-sales-agent-careers.html

    Real Estate Investing Articles
    Real Estate Agents · Handyman Services . Finding and Working With A Good Real Estate Agent . It Takes Money to Make Money and Other Big Lies . The Mortgage Elimination . North Carolina Real Estate Commission Answers .
    http://www.reiclub.com/real-estate-articles.php

    jimmy37

  8. Capital Mortgage Funding ( First Time Home Buyer )
    Also making a down payment of 20% or greater will eliminate the need for . Will you get a big break on your taxes from the mortgage interest rate deduction? . the sale commission, which typically runs 5-7%, split between the seller's agent .
    http://www.lowrateonline.com/first_time.html

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  9. Commercial Mortgage Broker Commission Split. There has to be a ...
    Jul 30, 2007 . The split may be with the lender, a referral agent, a brokerage house, or a number of others. . Trust me the people you are splitting commissions with make a lot . my paycheck with someone and they take a big enough piece of the pie. . If we can minimize or eliminate the need to split commissions we .
    http://patrickbedall.articlealley.com/commercial-mortgage-broker-commission-split-there-has-to-be-a-better-way-194368.html

    LC

  10. Excellent post!

    Home Mortgage Interest Deduction: A Tax Deduction for Homeowners
    Jan 12, 2012 . The home mortgage interest tax deduction is a benefit that . If we ever make it back to a Small Government that is just doing things . When you couple those two together, it becomes a big write off. . military budget and eliminating a ton of federal agencies for which there is no purpose to their existence.
    http://www.consumerismcommentary.com/home-mortgage-interest-deduction/


    Debt Consolidation Companies - Debt Negotiation and Elimination ...
    Jul 29, 2011 . (not all are credit counseling agencies) For a complete list of the efforts . For instance, the CEO of Genus was found to be making a over .
    http://www.creditinfocenter.com/debt/DebtConsolCompanies.shtml

    FV

  11. Family
    Make sure you are on track for retirement before putting aside too much money for college. . Shop for the best mortgage and consumer loansSeeking the best mortgage or . Your credit score is available from the three credit reporting agencies: . that don't really fit your needs but make the advisor a big commission .
    https://www.flanaganstatebank.com/ls-family.htm

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  12. Volume 1
    It gives substantially more flexibility and decision?making to local school districts. . Eliminating redevelopment agencies to increase funding for schools, police, fire, . workforce by more than 15000 positions and eliminating 20 boards, commissions, . funding, as the federal formula fails to recognize the large number of .
    http://www.ebudget.ca.gov/pdf/BudgetSummary/FullBudgetSummary.pdf

    DS

  13. what about new jersey jurisdiction for escrow account , I realy need to eliminate this account, specially with this high real estate taxes in new jersey which consider as double your mortgage payments

    Ashraf Soliman

  14. Short Sale Loans - Short Sale Mortgages - Two Short Sale Loans
    Two loans or more on a short sale make the negotiations more difficult. © Big Stock Photo . with a real estate agent, it is very likely that the lender will renegotiate the commission. . If not, the short sale will be denied, and the first lender will most likely get the property back in foreclosure, eliminating the second loan.
    http://homebuying.about.com/od/4closureshortsales/f/031308_SSloans.htm

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    • Hello Pamela!

      Introduction to Buying a Home
      A house is probably the largest purchase you'll make in your lifetime, so it's . saves at least 35% over the costs of owning (mortgage, taxes, repairs, insurance, etc.) . if they are paid a commission based on the amount of the sale, which is typical. . of the costs associated with working with a seller's agent will be eliminated.
      http://www.investorguide.com/igu-article-629-buying-or-selling-a-house-introduction-to-buying-a-home.html

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  15. The Bottom Line | Committee for a Responsible Federal Budget
    MacGuineas: Make Candidates Debate the Debt . In addition, people should not expect the increased confidence to be large enough to fully offset the . Repeal LIFO and Eliminate Oil and Gas Preferences, $150, 5861, 72% . Limit Mortgage Interest Deduction and Other Deductions for High-Earners, $430, 5323, 65% .
    http://crfb.org/blog

    Teresa




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