There is no way to honestly work the banks game. These banks are so big that the left hand doesn't always know what the right hand is doing, meaning that you can do everything that they tell you to do but in my experience it just takes one person at there end to drop the ball and all your efforts have to be either statrted all over again or where for nothing at all. I have seen homeowners make modification payments and still get calls from the banks outsourced debt collection agency demanding payments I have even worked with a homeowner that received a notice stating that everything was going ok with her modification and to keep making payments as agreed then just two weeks later that same homeowner received a notice tapped to her door saying her home sold a week ago and that she needed to vacate the property as soon as possible. It actually gets that bad! In my experience the only way to play the banks game is to not! There is a program out there that hits that banks where it hurts the most there own paperwork. Through a legal review of your loan documents you can see if the lender committed predatory lending and mortgage fraud to get you into the loan. Once this is complete and there are signs of mortgage fraud present then the lender now has to play your game and puts you directly in the drivers seat! Ask yourself this: were you charged with high fees or hit with a surprise prepayment penalty? You may one day become one of those people who lost their properties if you don't do something now, know your rights and exercise them! Remember these lenders pray off the ignorant.


Vincent Dutye
Fraud Investigator
U.S Loan Auditors