One of my sisters is hopelessly upside down on a VA loan facing many of the same kinds of restrictions described in this article. Should we assume that the Veterans Administration has somehow been sucked into some Jesuit/nazi/NWO/Rome plot? Why not blame this mess on the Martians while we’re at it?

I’m a firm believer in Occam’s Razor and the simplest explanation here is simply that some institutions, like the CA state lender and the VA, have not adjusted their policies to reflect today’s mortgage realities. They’re not evil, not corrupted by the ‘other,’ not out to get you, they’re just institutions moving at institutional speed which have not caught up yet to the fact that the entire housing paradigm has been upended.

That’s all. No conspiracy, just the historical lags of human organizations.

Mildred, can you explain to me why they altered the mortgage after the closing? Forged mine and my husbands initials next to the alteration and recorded that altered document ? …There is NO LIEN ON MY PROPERTY…THE RECORDERS OFFICE GOT RIGHT TO MY COLLATERAL DEED WITH NO LIENS ATTACHED….The clerk told me no one has recorded a proper release or assingment in 19 years…the clerk told me because of this, my house is paid for, I can live in it, sell it or do whatever I want with it…yet I am still fighting fraudclosure….When they committed the CLASS 3 FELONY OF FORGERY UNDER ILLINOIS LAW (720 ILCS 5/17-3), A PERSON COMMITS THE CRIME OF FORGERY WHEN, WITH THE INTENT TO DEFRAUD, THEY KNOWINGLY, (1) MAKES OR ALTERS ANY DOCUMENT APPARENTLY CAPABLE OF DEFRAUDING ANOTHER OR AT ANOTHER TIME, OR WITH DIFFERENT PROVISIONS, OR BY AUTHORITY OF ONE WHO DID NOT GIVE SUCH AUTHORITY: (2) ISSUES OR DELIVERS SUCH DOCUMENT KNOWING IT TO HAVE BEEN THUS MADE OR ALTERED; OR (2) ISSUES OR DELIVERS SUCH DOCUMENT KNOWING IT TO HAVE BEEN THUS MAD OR ALTERED: OR (3) POSSESS, WITH THE INTENT TO ISSUE OR DELIVER, ANY SUCH DOCUMENT KNOWING IT TO HAVE BEEN THUS MADE OR ALTERED: OR (4) UNLAWFULLY — USES THE DIGITAL SIGANTURE, AS DEFINED IN THE FINANCIAL INSTITUTIONS ELECTRONIC DOCUMENTS AND DIGITAL SIGNATURE ACT; OR (5) UNLAWFULLY — USES THE SIGNATURE DEVICE OF ANOTHER TO CREATE AND ELECTRONIC SIGNATURE OF THAT OTHER PERSON, AS THOSE TERMS ARE DEFINED IN THE ELECTONIC COMMERCE SECURITY ACT……AND THEY ENTERED THAT ALTERED MORTGAGE DOCUMENT IN THEIR FRAUDCLOSURE COMPLAINT…WITH NO ASSIGNMENT EVER RECORDED…TO THEM…EVER..AND THEY STAMPED OVER ALL OF THE FORGERIES IN SUBSEQUENT FILINGS…….ILLINOIS LAW REQUIRES THAT ANY TRANSFER OF THE NOTES MUST BE RECORDED…AND MILDRED, THAT IS JUST THE TIP OF THE ICEBERG..DON’T GET ME STARTED…..THEY ARE CRIMINALS COMMITTING FEDERAL CRIMES IN CIVIL COURTS..AND SUBMITTING FALSE, FRAUDULENT FORGED EVIDENCE IN CIVIL COURTS…TO STEAL HOMES, THEY HAVE NO LEGAL RIGHT TO TAKE AT ALL…AND THEY NEVER LENT US ANY MONEY…THEY COMMITTED MASSIVE COLLATERAL MORTGAGE FRAUD IN OUR NAMES.AND THEIR DEBT IS MASSIVE AND UNSUSTAINABLE……AND THEY ARE STEALING HOMES THEY HAVE NO LEGAL RIGHT TO TAKE FOR THEIR OWNERS WHO WERE ONLY INVESTORS IN THE MONEY FLOW…IT WAS A GAMBLE…THEY ALL MADE TRILLIONS ON…AND THEY DO NOT OWN OUR HOMES..GET ON BOARD MILDRED, THIS WAS A HITLER PLAN BY THE RULING ELITE TO STEAL EVERYTHING FROM THE PEOPLE UNDER THE GUISE OF DEBT…WHICH IS NOT OUR DEBT…IT IS WALL STREETS DEBT…

Mildred….I don’t deny your past experience or where you have come from or are going…but may I suggest that since you have such expertise in the issues of foreclosures and foreclosure intervention…it would be very helpful to list what the banks have done…such as fraudulent deliberate actions from the closing on or even before……each mortgage may be somewhat different but the frauds have a pattern… very consistent…holding to the same pattern of practice.of fraud…
We have been at this for many years now and we certainly know what the documents state. You must follow this site as you have now commented on it so you know all what we have said. Yes, some are emotional…and they have a right to be emotional…but soon they learn just what has really gone on behind all the mortgages and than anger sets in. Most of us are very well educated in the field of foreclosures …so we know what is right and what is wrong. Just list and tell the people what to look for..to help them….not the rights of what a bank or documents can do. You are living in the far past when foreclosures were very few and far apart…..but let’s address millions that have lost their homes…because you and I both know there is alot more than what you are saying…..there is 2 sides to these foreclosures….one is the bank and the other are the victims who are holding fraudulent documents….and the banks cannot find the original Notes….and the bank did not lend any money. So let’s hear what you have to say about the Note and the lending……for starters.

Mildred…..You are trying to instill reason where there isn’t any……..millions of us lost our homes after being conned into fraudulent mortgages……try lining up all of the Americans that lost everything and telling them what you posted here……you would be booed….hissed…..and run out of town…….

Hi all,
One of the challenges owe all face in these trying times is to respond emotionally to something which is clearly offensive without:
a. knowling all the facts–none of us do
b. perhaps without having a bais understanding of the orking of the organization in question

I DO NOT have allthe facts in this case
However, I do have a great deal of experience working with state housing agencies AND a very strong background in real estate, foreclosure (and related issues) and understanding mortgage documents. As a trainer for foreclosure intervention (my students were attorneys, REALTORS and housing counselors)
I am writing to ask that the posters on this site not lose sight of the particular details in each situation raTHER THAN JUMP TO THE CONCLUSION THAT EVERYTHING WHICH DOES NOT GO JUST THE WAY A CONSUMER WANTS IT means that someone or some organization is out to get them. that is NOT always the case.

Like in this case.

It is legal ( in ALL the states) for a lender to foreclose on your loan IF you have purchased it as a primary residence and the you then lease it out- & YOU DON”T LIVE THERE AS YOUR PRIMARY RESIDENCE.

That is a violation of the terms of your mortgage and foreclosure is an OPTION the lender has. Having said that, could the CAL housing authority find another solution; perhaps they could, certainly some other states have chosen not to enforce their rights just because they can.

My reason for writing is to ask each of you to verify the facts of YOUR situation, starting with reading your own personal mortgage (which has the same language in it) so that you remain more credible because you are speaking from an informed position rather than an emotional one.

Second, do not dilute the impact of the FIGHT by calling someone or some agency out when they are RIGHT/LEGAL in their behavior.

cal housing agency IS OPERATING WITHIN THEIR LEGAL RIGHTS.

I will not respond to even one negative comment to or about me. This fight is too important for insignificant crap.

We lose credibility if we take off on a tangent when we are wrong.

Grounds for excelarating the note include:

a. abandonment (including leasing it out)
b. sale of the property without permission–(yes, that included selling on contract and doing a quit claim
deed to an investor but not recording it)
c. letting someone else assume the payments–without lender approval (that could be leasing it out or
some other terms to let someone else ASSUME the payments)

None of these involve MISSING payments, but all of these actions could legally lead to foreclosure.

And in this case, CAl HA and all the other state housing agencies, they have made an investment into the property and the terms of their loans are:

a. neither hidden
b. nor significantly different from ALL other mortgages as relates to what constitutes default and what the
consequences will be

Remember, I am just passing on some facts here so there is no need to yell at me or get mad. Read your docs.

Hope this helps.

Rob….I agree with you….the banks are not going to corporate…they are following their owners rules and demands….to take it all from the people…bottom line….they were paid very high rewards to do their job…Rome saw to that….and so has the government been paid well to see that all goes as planned. .if not…they too may be past tense…………..
It is upto the people of this country….just how long we will stand the corruption and the Treason….treason has been proven….not only now but in the past. There are living presidents and VP’s who are also guilty and many others……and they all know who they are.
Until we start cleaning out Washington DC and end the Federal Reserve…..nothing will be solved. And this cannot wait till the next election that is a year away.

Marilyn, The Jesuits have been trying to own America since the founding of America….They are behind all of the wars, the assassinations, the manufactured economic crisises..The Fed… taxes…. the last Great Depression, 9/11…the current manufactured financial crisis..All of the presidents were puppets except for J.F.K…and we know what he got for telling the CIA he was their boss….anything a president does that is not on there agenda is an impeachable offense or they get shamed, humiliated or killed….. Nixon resigned because he got caught trying to get his name off of anything that tied him to the J.F.K assassination….Clinton would have been thrown out if he did not go along with their evil plans…They set up Elliot Spitzer for investigating them…That is what they do..look for weaknesses they can use against you….

Marilyn……meanwhile the situation is getting worse…not better! The banks don’t ever cooperate and Obama and the powers that be…….just continue to ride us in circles…..like circus horses!