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Displaying results 1 - 10 of 10 items found.

1. The need for more sunlight on the mortgage lending marketplace

(Web Page; Mon Aug 27 08:40:00 CDT 2012)

Why do borrowers and communities of color get FHA and other government-backed mortgage loans disproportionately more often than white borrowers and communities? This is the question I’ve been hearing and grappling with since the ...

Description: Researcher, Barb vanKerkhove talks about why she thinks it’s important to understand bank’s mortgage lending and how it’s impacting communities.

2. Still working on that sunlight

(Web Page; Thu Oct 25 09:48:00 CDT 2012)

In my last post, I talked about the need for better data to increase transparency and accountability in the mortgage lending market. This week I have a great opportunity to make my case. I am one of several consumer advocates from acr...

Description: We will be talking with the CFPB about data-related issues, all of which are part of Dodd-Frank and are critical to shedding more light on mortgage lending and servicing in this country.

3. When it Comes to Foreclosures, the FHFA Should Lay Blame Where it Belongs - On Mortgage Servicers, Not State Consumer Protection Laws

(Web Page; Mon Dec 03 06:57:00 CST 2012)

The Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Mac’s overseer, wrongly, and egregiously is attacking state consumer protection laws. The Agency published a proposal [http://www.fhfa.gov/webfiles/24525/NoticeSt...

Description: Advocates comment on The Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Mac’s overseer, wrongly, and egregiously is attacking state consumer protection laws.

4. Principal Reductions in Mortgage Workouts are Essential to Reducing the Discriminatory Impact of Foreclosures

(Web Page; Fri May 02 10:12:00 CDT 2014)

“Preserving an affordable home, in a stable neighborhood, for all Americans”—this phrase summarizes three key aspects of housing opportunity and the realization of the American dream. The foreclosure crisis and the res...

Description: “Preserving an affordable home, in a stable neighborhood, for all Americans”—this phrase summarizes three key aspects of housing opportunity and the realization of the American dream. The foreclosure crisis and the resulting recession, however, have undercut every aspect of this vision.

5. CFPB Publishes Complaint Narratives - What it Means for New Yorkers

(Web Page; Wed Jul 29 13:39:00 CDT 2015)

On June 25, 2015, the Consumer Financial Protection Bureau (CFPB) published over 7,700 consumer complaint narratives about financial companies. Since first making the complaints database public in 2013, CFPB has been improving access ...

Description: Since first making the complaints database public in 2013, CFPB has been improving access to and search capabilities for the data collected. The ability to view consumer complaint narratives may be the most significant change in this access yet.

6. New York State Legislature Extends Settlement Conferences for Five Years

(Web Page; Tue Jun 17 14:31:00 CDT 2014)

The New York State Legislature last week passed crucial legislation that serves to assist homeowners facing foreclosure. One piece of the legislation is that mandatory foreclosure settlement conferences, set to expire in early 2015, hav...

Description: The New York State Legislature last week passed crucial legislation that serves to assist homeowners facing foreclosure.

7. Free Legal Help for Monroe County Homeowners in Foreclosure

(Web Page; Mon Oct 15 10:36:00 CDT 2012)

Did you know that if homeowners are struggling with their mortgage and facing foreclosure, there are professional and FREE services available from local attorneys to help them understand the foreclosure process? The possibility of...

Description: This post describes the settlement conference process and the free legal help that is available to Monroe County homeowners who are at risk of foreclosure.

8. Empire Justice Center Plays an active role in training advocates across New York on foreclosure prevention

(Web Page; Fri Jun 21 13:53:00 CDT 2013)

On May 30, 2013, the U.S. Department of the Treasury and the U.S. Department of Housing and Urban Development announced an extension of the Home Affordable Modification Program (HAMP), which was set to expire on December 31, 2013.The pro...

Description: HAMP has been extended. Read how Empire Justice has been training attorneys and housing counselors in helping homeowners get through the loan modification process, as well as other ways to keep homeowners out of foreclosure.

9. Sleeping Bags on Sidewalks

(Web Page; Thu Oct 23 12:24:00 CDT 2014)

I live around the corner from St. Joseph’s Neighborhood Center in Rochester, New York, which provides free breakfasts to people that need one in my neighborhood. So many mornings, there are so many people waiting for breakfast, th...

Description: This morning, along with the bank statements and paystubs, I will be thinking about sleeping bags on sidewalks.

10. Winning with tenacity- Empire Justice helps save another home from foreclosure

(Web Page; Fri Jul 10 11:34:00 CDT 2015)

Dave is the epitome of tenacity. For more than four years he’s been fighting tooth and nail to save his family’s home from foreclosure. A single father of three and a Navy veteran, Dave was unable to work after a back injury...

Description: So proud of David who showed relentless strength in the face of adversity, and of the Empire Justice foreclosure team that refused to give up. Four years later we’re ecstatic to report David and his family are able to keep their home.