Author Archives: Jay Arellano

September Newsletter Breaks Down new Mortgage Servicing Comparison Chart

The HBOR Collaborative’s September Newsletter includes an article describing the Collaborative’s new mortgage servicing comparison chart for california real estate, highlighting usage tips, explaining the most important concepts, and briefly discussing which bodies of law are “better”: the CFPB mortgage servicing rules, California’s Homeowner Bill of Rights, or the National Mortgage Settlement. The newsletter also […]

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HBOR Collaborative Releases 2014 Mortgage Servicing Rules Comparison Chart

This chart compares mortgage servicing rules from the new Consumer Financial Protection Bureau (RESPA & TILA), California’s Homeowner Bill of Rights, and the National Mortgage Settlement. It comprehensively covers all aspects of the foreclosure process and can be used as a quick reference guide for advocates weighing which laws to cite in demand letters, or […]

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August Newsletter Highlights Reverse Mortgage Upheaval at HUD

The HBOR Collaborative’s August Newsletter includes an article from NHLP summer clerk Henna Choi. She discusses major developments in the reverse mortgage world, highlighting the plight of surviving, non-borrowing spouses who face foreclosure after the death of their borrower-spouse. We also include summaries of recent cases and a regulatory update. In this issue—Update on the […]

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California Court of Appeal Agrees with NHLP Amicus Brief in Finding Duty of Care in Loan Modification Process

In Alvarez v. BAC Home Loans Servicing, NHLP, Housing and Economic Rights Advocates, and the Jerome N. Frank Legal Services Organization submitted an amicus brief in support of a homeowner who was improperly denied a loan modification by Bank of America. In finding that a loan servicer such as Bank of America must properly handle modification […]

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June PLI Training Now Free Online; MCLE Credit Available

On June 16, 2014 the HBOR conducted a day-long training at Practicing Law Institute in San Francisco. Topics included the basics of HBOR and the new CFPB mortgage servicing rules, litigating loan modification misconduct claims and foreclosure cases, eviction defense after foreclosure, tenants’ rights in foreclosure, and loan modification basics. Faculty included members of the […]

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July Newsletter Includes Piece on TILA Circuit Split

This month features an article from an NHLP volunteer attorney, Clare Lakewood, on the current circuit split over a TILA rescission issue and the impending Supreme Court decision. We also include summaries of recent cases, including Keshtgar, Rufini, and Erlach, all of which have important implications for CA foreclosure law. Lastly, we discuss recent regulatory updates. Announcements—The Collaborative’s […]

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June Newsletter Includes New RESPA Early Intervention Requirements for Borrowers in Default

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Announcements— The HBOR Collaborative is conducting a free training at PLI in San Francisco, June 16. The training will also be webcast. Please see the information at the end of the newsletter for details or sign-up at our website’s training calendar! In this issue—  NCLC article explaining the new RESPA rules on early intervention for delinquent […]

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