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9891 IRVINE CENTER Dr. #200 IRVINE, CA 92618

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Who We Are

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Our Comprehensive Mortgage Loss Mitigation Services

We understand that reaching out to your lender is a difficult task. This is the reason American Home Reliance follows an empathetic borrower outreach process that helps lenders resolve the payment delay. We help borrowers achieve a successful mortgage restructure, following all Federal Guidelines that mandate all lenders and mortgage servicers to abide by. American Home Reliance specializes in a range of back-office support services including loss mitigation services. Our loss mitigation services are designed to help loan servicers handle their back-end and front-end operations with seamless efficiency. From strict underwriting rules to analyzing borrowers, we provide our clients with a robust system that helps mitigate losses and retain customers.

Our mortgage loss mitigation services encompass the entire process from documentation to borrower outreach. Our core duty is to provide our clients with steadfast solutions that are geared towards reducing mortgage losses. Our team of experts have years of experience in loss mitigation and have exceptional skills over the years that make them indispensable to our loss mitigation process.

ELIGIBILITY REVIEW FOR ALL MORE COMPLEX LOSS MITIGATION STRATEGIES

Reviewing your loan for potential issues, including violations and fraud, is essential and free for homeowners with mortgage concerns. Uncovering Mortgage Irregularities Fraud and Violation Probability Analysis Free Assessment for Homeowners Protect Your Rights and Discover If Your Loan is Unenforceable with Our Comprehensive Review.

Foreclosure Management Assistance

We provide the best support for foreclosure management services that ensure quick returns.

These services are offered to borrowers who are struggling with financial difficulties and so default on their mortgage payments. We reach out to the lender on your behalf to understand their situation and offer solutions that can reduce their monthly payments and interest rates. This helps borrowers get back on track with their installments and helps our clients mitigate their losses.

Empowering Consumer Rights: Key Laws for Financial Protection

Obtaining a professional confirmation of potential violations, mistakes, misrepresentations, or fraud in your home loan experience is a crucial step for homeowners who suspect irregularities in the mortgage process. This comprehensive assessment covers a broad spectrum, from the initial loan origination to loan servicing and extends through the lender’s adherence to both state and federal foreclosure laws and timelines. The ultimate goal is to determine if these issues render the entire loan unenforceable, including any associated foreclosure actions. Importantly, the review of these results is provided to you completely free of charge.

The loan origination phase is where the process begins, and it’s critical to ensure that all aspects of this stage adhere to legal and ethical standards. Potential violations may include misrepresentations of loan terms, undisclosed fees, or predatory lending practices. An expert assessment can uncover any such irregularities that may have occurred during the origination process.

As your loan progresses into the servicing phase, it’s essential to verify that your lender is handling your mortgage properly. Mistakes in loan servicing can lead to incorrect calculations of payments, unjustifiable fees, or improper handling of escrow accounts. If these errors exist, they can have a substantial impact on your ability to maintain your mortgage payments.

The lender’s adherence to state and federal foreclosure laws and timelines is a critical aspect of the assessment. Foreclosure laws vary from state to state, and federal regulations also play a role. Violations of these laws can make the entire foreclosure process unlawful. For example, improper notice, failure to provide due process, or violations of the Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA) can all contribute to the determination that the foreclosure was conducted illegally.

If the assessment reveals substantial evidence of violations, mistakes, misrepresentations, or fraud throughout the loan process and foreclosure proceedings, it may lead to a conclusion that the entire loan is unenforceable. This means that the lender may not have legal standing to enforce the terms of the loan or proceed with foreclosure. As a result, you could potentially be relieved of your mortgage obligations.

What sets this assessment apart is the fact that the review of results is offered to homeowners free of charge. This not only makes it accessible to a wider range of individuals but also emphasizes the commitment to ensuring homeowners’ rights are protected and upheld in the mortgage and foreclosure processes.

In conclusion, obtaining a professional confirmation of potential violations, mistakes, misrepresentations, or fraud in your home loan experience is a crucial step in protecting your rights as a homeowner. This comprehensive assessment covers every stage of the mortgage process, from origination to servicing and foreclosure, with the goal of determining whether the entire loan is unenforceable due to legal irregularities. The fact that this review is provided to homeowners at no cost underscores the commitment to ensuring fairness and transparency in the mortgage industry. It empowers homeowners to seek justice if they believe their rights have been violated and potentially offers a path to relief from the burden of their mortgage.

A Comprehensive Guide to Laws Safeguarding Your Interests When Dealing with Creditors, Lenders, and Banks

It’s important for consumers to be aware of the various laws in place to protect their rights and interests when dealing with creditors, lenders, and potential foreclosing banks. While not an exhaustive list, here’s a brief but concise review of some key laws that can be of benefit to you, your family, friends, neighbors, and coworkers:

  1. Truth in Lending Act (TILA): TILA requires lenders to disclose important terms and costs of credit, such as interest rates, fees, and penalties. It gives consumers the right to rescind certain types of loans within three days of signing and protects against unfair lending practices.
  2. Real Estate Settlement Procedures Act (RESPA): RESPA regulates the mortgage settlement process by requiring lenders to provide borrowers with information about closing costs and services. It also prohibits kickbacks and referral fees, ensuring transparency in the mortgage process.
  3. Fair Credit Reporting Act (FCRA): FCRA regulates how consumer credit information is collected, used, and shared. It grants consumers the right to access their credit reports, dispute inaccuracies, and seek damages for violations.
  4. Fair Debt Collection Practices Act (FDCPA):FDCPA sets rules for debt collectors, preventing abusive and unfair practices. It limits the times and methods debt collectors can contact you and prohibits harassment, false statements, and unfair practices.
  5. Homeowner’s Protection Act (HPA): HPA requires lenders to cancel private mortgage insurance (PMI) automatically once a certain threshold of equity is reached, protecting homeowners from paying unnecessary PMI premiums.
  6. Dodd-Frank Wall Street Reform and Consumer Protection Act:Dodd-Frank established the Consumer Financial Protection Bureau (CFPB), which oversees and enforces consumer financial protection laws. It provides a platform for consumers to file complaints and seek assistance with financial disputes.
  7. Fair Housing Act: The Fair Housing Act prohibits discrimination in housing based on race, color, religion, sex, national origin, disability, or familial status. It ensures that everyone has equal access to housing opportunities.
  8. Homeowner Bill of Rights (varies by state):Some states have implemented a Homeowner Bill of Rights, offering additional protections to homeowners facing foreclosure. These laws often require lenders to provide specific notices and options to borrowers in distress.
  9. Bankruptcy Code: Bankruptcy laws provide a legal framework for individuals to discharge or restructure their debts when they are unable to meet their financial obligations. This can offer relief to those overwhelmed by debt and help them regain financial stability.
  10. State-Specific Consumer Protection Laws:Many states have their own consumer protection laws that cover a range of issues, including unfair and deceptive practices, landlord-tenant disputes, and auto sales.

Awareness of these laws can empower consumers to assert their rights and seek redress when necessary. It’s crucial to stay informed about these protections and, if needed, consult legal professionals who specialize in consumer rights to navigate complex financial situations. By doing so, individuals can safeguard their financial well-being and advocate for fair treatment in their interactions with creditors, lenders, and banks.