What Is a Streamline Refinance, The Truth About, greentree mortgage company.#Greentree #mortgage #company


What Is a Streamline Refinance?

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Mortgage Q A: “What is a streamline refinance?”

While qualifying for a mortgage refinance is generally a lot harder than it has been in the past (now that lenders actually care how your mortgage performs), there are less cumbersome options available.

In fact, many lenders offer “streamlined” alternatives to existing borrowers to lower costs and make refinancing more accessible.

Plenty of banks out there have their own “streamline refinance” programs that come with looser credit scoring requirements, easier income and asset verification, and limited paperwork.

And in some cases, you don’t even need to order an appraisal. Put simply, a streamline refinance takes a lot of the legwork (and time) out of the process, and may increase your chances of approval.

However, streamline refinances also come with their own list of requirements, namely that the refinance has a “net tangible benefit.” In other words, it should help the homeowner, not just put money in the pocket of the loan originator.

This generally means that the mortgage rate should drop by an amount that will eclipse any related fees, and/or that the loan is converted from an adjustable-rate mortgage to a fixed-rate mortgage.

Streamline Refinance Guidelines

Here s a condensed list of possible streamline refinance guidelines and rules:

  • Must be current on your existing mortgage
  • Refinance must clearly benefit the borrower
  • No cash out allowed
  • Limited income/asset verification
  • Minimal credit requirements
  • Less paperwork
  • Faster processing
  • Lower closing costs
  • No appraisal necessary

*Keep in mind that these guidelines can vary widely from bank to bank, and not every lender will offer a streamline refinance, or approve you if they do.

FHA Streamline Refinance

Perhaps one of the most popular and well-known streamline refinance options out there comes courtesy of the FHA. In fact, the FHA has permitted streamline refinances since the early 1980s. Of course, they ve become much more popular lately thanks to the mortgage crisis.

They make it easy to refinance your mortgage to a lower mortgage rate, without the need for an appraisal, many of which happen to come in low these days.

And with no credit scoring requirement and limited documentation requirements, most borrowers can qualify for a streamline refinance quite effortlessly, even if they don t have adequate income, assets, or employment. The idea here is that a borrower with smaller monthly mortgage payments is a less risky borrower, which is good for the hard-hit FHA.

There are just a handful of simple requirements necessary for approval. As long as your existing mortgage is an FHA loan and in good standing (not delinquent), and the refinance will result in a lower monthly mortgage payment (or you’re converting your ARM to a FRM), you should be good to go. The only thing you really need to worry about is the seasoning requirements, including the following:

you must have made at least six (6) payments on the FHA-insured mortgage before refinancing

six (6) full months must have passed since the first payment due date of the original mortgage

210 days must have passed from the closing date of the original mortgage

Also note that no cash out can be taken out via a FHA streamline refinance. Only rate and term refinances work here.

However, you can get your hands on a no cost refinance, meaning you won’t necessarily need to pay out-of-pocket expenses, but you ll be stuck with a higher interest rate in return.

This is common because the FHA doesn t allow lenders to roll closing costs into the new mortgage amount on a streamline refinance without an appraisal.

Finally, because no appraisal is required, the FHA streamline refinance is an excellent option for those who are underwater on their mortgages.

Tip: President Obama recently lowered mortgage insurance premium costs on FHA Streamline Refinances to help more borrowers take advantage of the record low mortgage rates currently on offer.

VA Streamline Refinance

The FHA isn’t the only one offering streamline refinances. The VA also offers a streamlined “VA loan to VA loan” refinance, known as an “Interest Rate Reduction Refinancing Loan,” or IRRRL for short.

Yes, that’s a lot of “R’s,” but a VA streamline refinance is easy to execute and can save you a lot of money now that mortgage rates are so low.

The same basic rules apply. Your refinance must result in a lower interest rate, or you must switch from an ARM to a fixed-rate mortgage, and no cash out is permitted.

The VA does not require an appraisal or a credit underwriting package, and you have the option of rolling the refinance costs into the new loan or opting for a no cost refinance.

Additionally, a Certificate of Eligibility from the VA is not required, making a refinance a snap compared to the usual process.

HARP Streamline Refinance

You may have also heard of HARP and HARP 2.0, a streamlined loan program that allows underwater homeowners to refinance their mortgage, no matter how high their loan-to-value ratio (LTV) is.

The same simple qualification requirements (or lack thereof) apply here, though your loan must be owned by Fannie Mae or Freddie Mac, and must have been sold to the pair on or before May 31, 2009.

Additionally, your current LTV must be north of 80%, which isn’t a problem for most homeowners these days.

Finally, you must be current on your mortgage at the time of refinance, with no late payments in the past six months and no more than one late payment in the preceding 12 months.

Assuming you qualify, you should be able to get your hands on a much lower mortgage rate, even with an excessively high LTV, all with limited fees and closing costs.

Is Streamlining Your Refinance the Best Deal?

While a streamline refinance may be your easiest option, it may not be the best choice for you.

Whenever you’re in the market for a refinance, it’d be wise to take the time to shop around.

That means looking beyond your current lender and/or loan type to see if there’s something better out there.

For example, it might be better to have a conventional loan instead of an FHA loan, even if that means going through the whole underwriting process as opposed to a streamline.

You may find a lower mortgage rate with a new lender that will justify a more lengthy qualification process.

Sure, it can be a pain to refinance your mortgage, but the savings afforded each month and over your lifetime should definitely be worth your time.


What Is a Streamline Refinance, The Truth About, greentree mortgage.#Greentree #mortgage


What Is a Streamline Refinance?

Greentree mortgage

Mortgage Q A: “What is a streamline refinance?”

While qualifying for a mortgage refinance is generally a lot harder than it has been in the past (now that lenders actually care how your mortgage performs), there are less cumbersome options available.

In fact, many lenders offer “streamlined” alternatives to existing borrowers to lower costs and make refinancing more accessible.

Plenty of banks out there have their own “streamline refinance” programs that come with looser credit scoring requirements, easier income and asset verification, and limited paperwork.

And in some cases, you don’t even need to order an appraisal. Put simply, a streamline refinance takes a lot of the legwork (and time) out of the process, and may increase your chances of approval.

However, streamline refinances also come with their own list of requirements, namely that the refinance has a “net tangible benefit.” In other words, it should help the homeowner, not just put money in the pocket of the loan originator.

This generally means that the mortgage rate should drop by an amount that will eclipse any related fees, and/or that the loan is converted from an adjustable-rate mortgage to a fixed-rate mortgage.

Streamline Refinance Guidelines

Here s a condensed list of possible streamline refinance guidelines and rules:

  • Must be current on your existing mortgage
  • Refinance must clearly benefit the borrower
  • No cash out allowed
  • Limited income/asset verification
  • Minimal credit requirements
  • Less paperwork
  • Faster processing
  • Lower closing costs
  • No appraisal necessary

*Keep in mind that these guidelines can vary widely from bank to bank, and not every lender will offer a streamline refinance, or approve you if they do.

FHA Streamline Refinance

Perhaps one of the most popular and well-known streamline refinance options out there comes courtesy of the FHA. In fact, the FHA has permitted streamline refinances since the early 1980s. Of course, they ve become much more popular lately thanks to the mortgage crisis.

They make it easy to refinance your mortgage to a lower mortgage rate, without the need for an appraisal, many of which happen to come in low these days.

And with no credit scoring requirement and limited documentation requirements, most borrowers can qualify for a streamline refinance quite effortlessly, even if they don t have adequate income, assets, or employment. The idea here is that a borrower with smaller monthly mortgage payments is a less risky borrower, which is good for the hard-hit FHA.

There are just a handful of simple requirements necessary for approval. As long as your existing mortgage is an FHA loan and in good standing (not delinquent), and the refinance will result in a lower monthly mortgage payment (or you’re converting your ARM to a FRM), you should be good to go. The only thing you really need to worry about is the seasoning requirements, including the following:

you must have made at least six (6) payments on the FHA-insured mortgage before refinancing

six (6) full months must have passed since the first payment due date of the original mortgage

210 days must have passed from the closing date of the original mortgage

Also note that no cash out can be taken out via a FHA streamline refinance. Only rate and term refinances work here.

However, you can get your hands on a no cost refinance, meaning you won’t necessarily need to pay out-of-pocket expenses, but you ll be stuck with a higher interest rate in return.

This is common because the FHA doesn t allow lenders to roll closing costs into the new mortgage amount on a streamline refinance without an appraisal.

Finally, because no appraisal is required, the FHA streamline refinance is an excellent option for those who are underwater on their mortgages.

Tip: President Obama recently lowered mortgage insurance premium costs on FHA Streamline Refinances to help more borrowers take advantage of the record low mortgage rates currently on offer.

VA Streamline Refinance

The FHA isn’t the only one offering streamline refinances. The VA also offers a streamlined “VA loan to VA loan” refinance, known as an “Interest Rate Reduction Refinancing Loan,” or IRRRL for short.

Yes, that’s a lot of “R’s,” but a VA streamline refinance is easy to execute and can save you a lot of money now that mortgage rates are so low.

The same basic rules apply. Your refinance must result in a lower interest rate, or you must switch from an ARM to a fixed-rate mortgage, and no cash out is permitted.

The VA does not require an appraisal or a credit underwriting package, and you have the option of rolling the refinance costs into the new loan or opting for a no cost refinance.

Additionally, a Certificate of Eligibility from the VA is not required, making a refinance a snap compared to the usual process.

HARP Streamline Refinance

You may have also heard of HARP and HARP 2.0, a streamlined loan program that allows underwater homeowners to refinance their mortgage, no matter how high their loan-to-value ratio (LTV) is.

The same simple qualification requirements (or lack thereof) apply here, though your loan must be owned by Fannie Mae or Freddie Mac, and must have been sold to the pair on or before May 31, 2009.

Additionally, your current LTV must be north of 80%, which isn’t a problem for most homeowners these days.

Finally, you must be current on your mortgage at the time of refinance, with no late payments in the past six months and no more than one late payment in the preceding 12 months.

Assuming you qualify, you should be able to get your hands on a much lower mortgage rate, even with an excessively high LTV, all with limited fees and closing costs.

Is Streamlining Your Refinance the Best Deal?

While a streamline refinance may be your easiest option, it may not be the best choice for you.

Whenever you’re in the market for a refinance, it’d be wise to take the time to shop around.

That means looking beyond your current lender and/or loan type to see if there’s something better out there.

For example, it might be better to have a conventional loan instead of an FHA loan, even if that means going through the whole underwriting process as opposed to a streamline.

You may find a lower mortgage rate with a new lender that will justify a more lengthy qualification process.

Sure, it can be a pain to refinance your mortgage, but the savings afforded each month and over your lifetime should definitely be worth your time.


Best New Jersey Mortgage Rates: Compare Home Mortgage Refinance Rates in NJ, greentree mortgage.#Greentree #mortgage


Home Mortgage Rates in New Jersey

Greentree mortgage

Housing in New Jersey is expensive, which is probably why the state has a very high rate of foreclosures. Because New York City is nearby, one of the world’s most vibrant economies is within driving distance for most Garden State residents, and many are able to commute there daily.

Current Real Estate Trends

Home prices in the state of New Jersey are consistently above the national average. The median sales price in the Garden State is roughly $275,000 according to New Jersey Realtors, the state’s major property association. This figure is a growth of 1.9% from previous figures. The National Association of Realtors estimates the median home value across the country is slightly less than $235,000, making New Jersey about $40,000 more expensive, everything else being equal.

New Jersey’s Treasury Department paints a somewhat different picture. The government estimates the average residential sales price in the state to be approximately $390,000. This figure is actually a decrease from previous calculations. The U.S. Census Bureau calculates the median home value in New Jersey to be roughly $316,000. Although somewhat high, this represents a 20% decline from the government’s previous survey.

The number of pending sales in the Garden State has been growing at a fast pace, displaying a 12.4% increase. There were over 63,000 pending sales at last count. While pending sales in New Jersey have been increasing, the number of available homes on the market has been declining. New Jersey Realtors estimates a 21% decrease in homes on the market from its previous survey. The trade association counted 39,200 single-family homes for sale, 10,200 condos, and 2,400 adult community units.

RealtyTrac, an organization that monitors foreclosures in the United States, calculates that the Garden State has experienced in increase in home repossessions by roughly 2%. Moreover, the real estate group estimates that New Jersey has the highest foreclosure rate in the country. The state’s foreclosure rate is roughly 1 out of every 623 homes, while the national average is 1 out of 1,758.

The real estate website Trulia has a useful heatmap that displays listing prices for U.S. homes as shades of green or red. Dark green represents the country’s lowest prices, while dark red is the opposite end of the scale. The southern and middle sections of New Jersey are mostly green. The northeastern quadrant has orange and red mixed with green. The Jersey Shore, which is the eastern border than faces the Atlantic Ocean, is mostly red.

Historical Real Estate Trends

The Garden State had an especially tough time during the Great Recession of 2007, according to the New Jersey Monthly, a local publication. Between 1998 and 2006, homeowners in the state could realize profits from owning and then selling real estate. But that quickly changed when the mortgage crisis showed up.

The monthly magazine stated the property industry was robust before the Recession: For the last half century, housing in New Jersey has been the most reliable of all personal investments. As in much of the nation, New Jersey experienced a housing construction boom that coincided with the baby boom. The dean of the Edward J. Bloustein School of Planning and Public Policy at Rutgers University, James W. Hughes, says that the state built a thousand houses a week from 1950 to 1970.

A study conducted by the Center on Wealth and Philanthropy at Boston College found that between the years of 2004 and 2008 wealthy households in New Jersey were leaving for other states, mainly Florida, Pennsylvania and New York. There weren’t a corresponding number of wealthy households moving into New Jersey. The main reason cited for the loss of wealth was New Jersey’s Tax Policies.

The Great Recession brought major changes to the Garden State. From 2006 to 2007, the issuance of building permits in the state dropped roughly 30%, according to the New Jersey Department of Labor. Some regions saw much higher declines in construction. For instance, building permits in Gloucester County went from 410 in 2005 to just 13 in 2007.

The number of homes sold in the state declined from 92,000 in 2006 to 84,000 in 2007. While inventories increased, prices dropped. The New Jersey Monthly estimates that foreclosures rose 31% from 2006 to 2007. Oddly, foreclosures have actually become a bigger problem in the state post-Recession, with 2017 showing above-average numbers.

Despite the problems the state faced during the housing debacle, the Jersey Shore actually did fairly well. Sales in Spring Lake increased from 2006 to 2007, according to Diane Turton Realtors, a local company. The average price in the town went from $1.1 million to $1.3 million. Obviously, this is an expensive area of the state; but it’s an example of how some locations had no difficulty during the economic crisis. Other towns on the Jersey Shore actually saw larger increases.

Otteau Valuation Group, a New Jersey property company, looked over numbers of home listings and sales in the state, both before and after the housing crisis. It found that it took 15.6 months for the typical home to sell during the recession, whereas before it was just 10.6 months. It also determined that luxury homes saw an even bigger time lag, going from 34.6 months to 67.8 months. New Jersey being a recourse state gave wealthy home owners reasons to ride out the recession and let property prices recover before selling.

Market analysts estimate that home values dropped 27% from 2008 to a bottom in the summer of 2012. Since then, values have steadily been improving; but they still have not reached pre-Recession levels. Real estate experts expect a small increase of 1.4% annually going forward, which won’t be enough to bring values back to pre-crisis levels for some number of years.

South Jersey in general saw less job loss, less housing havoc, and more stability in property values throughout the recession. Though there were losses the dip wasn’t nearly as deep, in part because the peak was never as steep. One of the biggest employers in South Jersey is the federal government. There are also many federal jobs in the city of Philadelphia. Governmental jobs tend to be more insulated than private sector jobs from the market impacts of a recession. The Philadelphia suburbs are particularly attractive, with good employment levels, good housing stock, good amenities, a fairly easy commute into Philadelphia, and an easy weekend drive to seashore attractions. Philadelphia amd New York City are an easy drive or train/bus trip away for arts, museums and theater. There’s a good mix of contemporary housing stock and charming older South Jersey historic village housing stock.


Best New Jersey Mortgage Rates: Compare Home Mortgage Refinance Rates in NJ, greentree mortgage.#Greentree #mortgage


Home Mortgage Rates in New Jersey

Greentree mortgage

Housing in New Jersey is expensive, which is probably why the state has a very high rate of foreclosures. Because New York City is nearby, one of the world’s most vibrant economies is within driving distance for most Garden State residents, and many are able to commute there daily.

Current Real Estate Trends

Home prices in the state of New Jersey are consistently above the national average. The median sales price in the Garden State is roughly $275,000 according to New Jersey Realtors, the state’s major property association. This figure is a growth of 1.9% from previous figures. The National Association of Realtors estimates the median home value across the country is slightly less than $235,000, making New Jersey about $40,000 more expensive, everything else being equal.

New Jersey’s Treasury Department paints a somewhat different picture. The government estimates the average residential sales price in the state to be approximately $390,000. This figure is actually a decrease from previous calculations. The U.S. Census Bureau calculates the median home value in New Jersey to be roughly $316,000. Although somewhat high, this represents a 20% decline from the government’s previous survey.

The number of pending sales in the Garden State has been growing at a fast pace, displaying a 12.4% increase. There were over 63,000 pending sales at last count. While pending sales in New Jersey have been increasing, the number of available homes on the market has been declining. New Jersey Realtors estimates a 21% decrease in homes on the market from its previous survey. The trade association counted 39,200 single-family homes for sale, 10,200 condos, and 2,400 adult community units.

RealtyTrac, an organization that monitors foreclosures in the United States, calculates that the Garden State has experienced in increase in home repossessions by roughly 2%. Moreover, the real estate group estimates that New Jersey has the highest foreclosure rate in the country. The state’s foreclosure rate is roughly 1 out of every 623 homes, while the national average is 1 out of 1,758.

The real estate website Trulia has a useful heatmap that displays listing prices for U.S. homes as shades of green or red. Dark green represents the country’s lowest prices, while dark red is the opposite end of the scale. The southern and middle sections of New Jersey are mostly green. The northeastern quadrant has orange and red mixed with green. The Jersey Shore, which is the eastern border than faces the Atlantic Ocean, is mostly red.

Historical Real Estate Trends

The Garden State had an especially tough time during the Great Recession of 2007, according to the New Jersey Monthly, a local publication. Between 1998 and 2006, homeowners in the state could realize profits from owning and then selling real estate. But that quickly changed when the mortgage crisis showed up.

The monthly magazine stated the property industry was robust before the Recession: For the last half century, housing in New Jersey has been the most reliable of all personal investments. As in much of the nation, New Jersey experienced a housing construction boom that coincided with the baby boom. The dean of the Edward J. Bloustein School of Planning and Public Policy at Rutgers University, James W. Hughes, says that the state built a thousand houses a week from 1950 to 1970.

A study conducted by the Center on Wealth and Philanthropy at Boston College found that between the years of 2004 and 2008 wealthy households in New Jersey were leaving for other states, mainly Florida, Pennsylvania and New York. There weren’t a corresponding number of wealthy households moving into New Jersey. The main reason cited for the loss of wealth was New Jersey’s Tax Policies.

The Great Recession brought major changes to the Garden State. From 2006 to 2007, the issuance of building permits in the state dropped roughly 30%, according to the New Jersey Department of Labor. Some regions saw much higher declines in construction. For instance, building permits in Gloucester County went from 410 in 2005 to just 13 in 2007.

The number of homes sold in the state declined from 92,000 in 2006 to 84,000 in 2007. While inventories increased, prices dropped. The New Jersey Monthly estimates that foreclosures rose 31% from 2006 to 2007. Oddly, foreclosures have actually become a bigger problem in the state post-Recession, with 2017 showing above-average numbers.

Despite the problems the state faced during the housing debacle, the Jersey Shore actually did fairly well. Sales in Spring Lake increased from 2006 to 2007, according to Diane Turton Realtors, a local company. The average price in the town went from $1.1 million to $1.3 million. Obviously, this is an expensive area of the state; but it’s an example of how some locations had no difficulty during the economic crisis. Other towns on the Jersey Shore actually saw larger increases.

Otteau Valuation Group, a New Jersey property company, looked over numbers of home listings and sales in the state, both before and after the housing crisis. It found that it took 15.6 months for the typical home to sell during the recession, whereas before it was just 10.6 months. It also determined that luxury homes saw an even bigger time lag, going from 34.6 months to 67.8 months. New Jersey being a recourse state gave wealthy home owners reasons to ride out the recession and let property prices recover before selling.

Market analysts estimate that home values dropped 27% from 2008 to a bottom in the summer of 2012. Since then, values have steadily been improving; but they still have not reached pre-Recession levels. Real estate experts expect a small increase of 1.4% annually going forward, which won’t be enough to bring values back to pre-crisis levels for some number of years.

South Jersey in general saw less job loss, less housing havoc, and more stability in property values throughout the recession. Though there were losses the dip wasn’t nearly as deep, in part because the peak was never as steep. One of the biggest employers in South Jersey is the federal government. There are also many federal jobs in the city of Philadelphia. Governmental jobs tend to be more insulated than private sector jobs from the market impacts of a recession. The Philadelphia suburbs are particularly attractive, with good employment levels, good housing stock, good amenities, a fairly easy commute into Philadelphia, and an easy weekend drive to seashore attractions. Philadelphia amd New York City are an easy drive or train/bus trip away for arts, museums and theater. There’s a good mix of contemporary housing stock and charming older South Jersey historic village housing stock.


The Foreclosure Fraudsters, Co-conspirators – ROBO-Signors, greentree mortgage.#Greentree #mortgage


Contact information for some bank CEOs:

Nationwide Title Clearing will manufacture any document to cover-up the title fraud problems.

Greentree mortgageFORENSIC AUDITS

of County Land Records

Greentree mortgage FORENSIC EXAMINATION OF ASSIGNMENTS OF MORTGAGE RECORDED DURING 2010 IN THE

ESSEX SOUTHERN DISTRICT REGISTRY OF DEEDS John O’Brien, Assessor-Recorder

Greentree mortgage FORECLOSURE IN CALIFORNIA: A CRISIS OF COMPLIANCE Phil Ting, Assessor-Recorder (2012)

Christina Allen – Lender Processing Services Liquenda Allotey – Lender Processing Services Christine Anderson – Lender Processing Services: now appropriately called Black Knight Financial Services, a subsidiary of Fidelity National Financial Inc.

Scott Anderson – Ocwen and Residential Loan Servicing

Patricia Arango – Marshall C. Watson law firm (CONTRADICTS CONGRESSIONAL TESTIMONY OF

China Brown – Wells Fargo (Piwinski case)

Bryan Bly – Nationwide Title – Video Deposition Part 1, Part 2

Deborah Brignac Forgeries – Deutsche Bank, Washington Mutual, Long Beach Mortgage, California Reconveyance,

JPMorgan Chase, Fidelity

Whitney Cook – JPMorgan Chase

Beth Cottrell – JPMorgan Chase

Margaret Dalton – JPMorgan Chase

Dhurata Doko – Nationwide Title – Video Deposition Part 1, Part 2

Alfonzo Greene – Lender Processing Services

Laura Hescott – Lender Processing Services

Barbara Hindman – JPMorgan Chase

Bethany Hood – Lender Processing Services

Pat Kingston – EMC Mortgage

Cecelia Knox – Lender Processing Services

Margie Kwiatanowsk – GMAC

Topako Love – Lender Processing Services

Crystal Moore – Nationwide Title – Video Deposition. Part 1, Part 2, Part 3, Part 4

Noemi MoralesOcwen – Signs for Scott Anderson. Notary stamp was expired when she signed many documents.

Erica Johnson-Seck– Indymac The corporations for which she had signing authority included the FDIC as

conservator for IndyMac. She’s now a vice president in Austin, Texas,

for OneWest Bank, which bought IndyMac from the FDIC.

Stanley Silva – Ticor Title: Notice of Defaults, LPS, Fidelity, MERS, Wells Fargo

Jodi Sobotta – Lender Processing Services

Stacy Spohn – Chase Home Finance

Jeffrey Stephan – GMAC Highlights by Lynn Szymoniak

Jeffrey Stephan – Motion for Relief GRANTED – Attorney Fees Awarded on Affidavit Made in Bad Faith

Eric Tate – Lender Processing Services

Christina Trowbridge – JPMorgan Chase

Rhonda Weston – Bank of America: Is one of 10,000 listed vice presidents for Bank of America and had signed

legal documents allegedly not in the presence of a notary public and without reading the document.

Amy Weis – Lender Processing Services

Rick Wilken – Lender Processing Services, EMC Mortgage, MERS, HSBC, JP Morgan Chase

From attorney Lynn Szymoniak of Fraud Digest

To assist JPMorgan Chase , Fraud Digest suggests that it dismiss those actions where the Affidavits or Mortgage Assignments were signed by the following robo-signers: Beth Cottrell, Whitney Cook, Christina Trowbridge and Stacy Spohn from the Chase Home Finance office in Franklin County, OH; Margaret Dalton and Barbara Hindman from the Jacksonville, FL office of JPMorgan Chase;

and any of the Lender Processing Services robo-signers from the Dakota County, MN office including Christina Allen, Liquenda Allotey, Christine Anderson, Alfonzo Greene, Laura Hescott, Bethany Hood, Cecelia Knox, Topako Love, Jodi Sobotta, Eric Tate, Amy Weis and Rick Wilken.

In particular, JP Morgan Chase should look at those cases where the bank has supposedly assigned mortgages to WaMu , WMALT , Long Beach Mortgage Company and NovaStar trusts years after the closing dates of these trusts. The number of questionable or fraudulent documents is likely to be much closer to 560,000 than to 56,000, and that will only be a good beginning. – Attorney Lynn Szymoniak


Greentree mortgage, greentree mortgage.#Greentree #mortgage


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3114 PATRICK HENRY DR , FALLS CHURCH

  • Home size: 3,352 sq ft
  • Lot size: 14,658 sqft
  • Year built: 1996
  • 5 beds
  • 4 baths
  • $769,000

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1414 30TH ST NW , WASHINGTON

  • Home size: 2,132 sq ft
  • Lot size: 1,054 sqft
  • Year built: 1900
  • 4 beds
  • 4 baths
  • $1,775,000

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6417 CAROLYN DR , FALLS CHURCH

  • Home size: 1,913 sq ft
  • Lot size: 11,069 sqft
  • Year built: 1955
  • 3 beds
  • 2 baths
  • $575,000

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7810 WHITERIM TER , POTOMAC

  • Home size: 3,211 sq ft
  • Lot size: 3,793 sqft
  • Year built: 1984
  • 3 beds
  • 5 baths
  • $735,000

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4706 KANDEL CT , ANNANDALE

  • Home size: 2,000 sq ft
  • Lot size: 1,339 sqft
  • Year built: 1973
  • 3 beds
  • 4 baths
  • $399,000

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3530 UTAH ST N , ARLINGTON

  • Home size: 5,583 sq ft
  • Lot size: 10,044 sqft
  • Year built: 2017
  • 5 beds
  • 6 baths
  • $2,195,000

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3737 VERMONT ST , ARLINGTON

  • Home size: 5,807 sq ft
  • Lot size: 10,530 sqft
  • Year built: 2017
  • 6 beds
  • 6 baths
  • $2,295,000

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309 FILLMORE ST N , ARLINGTON

  • Home size: 4,508 sq ft
  • Lot size: 6,153 sqft
  • Year built: 2018
  • 5 beds
  • 5 baths
  • $1,849,900

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3409 GREENTREE DR , FALLS CHURCH

  • Home size: 3,593 sq ft
  • Lot size: 30,592 sqft
  • Year built: 1956
  • 5 beds
  • 4 baths
  • $875,000

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2629 RICHMOND ST N , ARLINGTON

  • Lot size: 10,296 sqft
  • Year built: 1954
  • 2 beds
  • 2 baths
  • $799,900

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9052 ROSEWALL CT , SPRINGFIELD

  • Home size: 1,624 sq ft
  • Lot size: 2,161 sqft
  • Year built: 1979
  • 3 beds
  • 4 baths
  • $375,000

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3506 DINWIDDIE ST N , ARLINGTON

  • Home size: 5,767 sq ft
  • Lot size: 9,999 sqft
  • Year built: 2018
  • 6 beds
  • 6 baths
  • $1,899,900

3114 PATRICK HENRY DR , FALLS CHURCH

Home size: 3,352 sq ft Lot size: 14,658 sqft Year built: 1996

5 beds 4 baths $769,000

  • Greentree mortgage

    1414 30TH ST NW , WASHINGTON

    Home size: 2,132 sq ft Lot size: 1,054 sqft Year built: 1900

    4 beds 4 baths $1,775,000

  • Greentree mortgage

    6417 CAROLYN DR , FALLS CHURCH

    Home size: 1,913 sq ft Lot size: 11,069 sqft Year built: 1955

    3 beds 2 baths $575,000

  • Greentree mortgage

    7810 WHITERIM TER , POTOMAC

    Home size: 3,211 sq ft Lot size: 3,793 sqft Year built: 1984

    3 beds 5 baths $735,000

  • Greentree mortgage

    4706 KANDEL CT , ANNANDALE

    Home size: 2,000 sq ft Lot size: 1,339 sqft Year built: 1973

    3 beds 4 baths $399,000

  • Greentree mortgage

    3530 UTAH ST N , ARLINGTON

    Home size: 5,583 sq ft Lot size: 10,044 sqft Year built: 2017

    5 beds 6 baths $2,195,000

  • Greentree mortgage

    3737 VERMONT ST , ARLINGTON

    Home size: 5,807 sq ft Lot size: 10,530 sqft Year built: 2017

    6 beds 6 baths $2,295,000

  • Greentree mortgage

    309 FILLMORE ST N , ARLINGTON

    Home size: 4,508 sq ft Lot size: 6,153 sqft Year built: 2018

    5 beds 5 baths $1,849,900

  • Greentree mortgage

    3409 GREENTREE DR , FALLS CHURCH

    Home size: 3,593 sq ft Lot size: 30,592 sqft Year built: 1956

    5 beds 4 baths $875,000

  • Greentree mortgage

    2629 RICHMOND ST N , ARLINGTON

    Lot size: 10,296 sqft Year built: 1954

    2 beds 2 baths $799,900

  • Greentree mortgage

    9052 ROSEWALL CT , SPRINGFIELD

    Home size: 1,624 sq ft Lot size: 2,161 sqft Year built: 1979

    3 beds 4 baths $375,000

  • Greentree mortgage

    3506 DINWIDDIE ST N , ARLINGTON

    Home size: 5,767 sq ft Lot size: 9,999 sqft Year built: 2018

    6 beds 6 baths $1,899,900

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    Greentree mortgage

    3114 PATRICK HENRY DR , FALLS CHURCH

    • Home size: 3,352 sq ft
    • Lot size: 14,658 sqft
    • Year built: 1996
    • 5 beds
    • 4 baths
    • $769,000

    Greentree mortgage

    4706 KANDEL CT , ANNANDALE

    • Home size: 2,000 sq ft
    • Lot size: 1,339 sqft
    • Year built: 1973
    • 3 beds
    • 4 baths
    • $399,000

    Greentree mortgage

    3409 GREENTREE DR , FALLS CHURCH

    • Home size: 3,593 sq ft
    • Lot size: 30,592 sqft
    • Year built: 1956
    • 5 beds
    • 4 baths
    • $875,000

    3114 PATRICK HENRY DR , FALLS CHURCH

    Home size: 3,352 sq ft Lot size: 14,658 sqft Year built: 1996

    5 beds 4 baths $769,000

  • Greentree mortgage

    4706 KANDEL CT , ANNANDALE

    Home size: 2,000 sq ft Lot size: 1,339 sqft Year built: 1973

    3 beds 4 baths $399,000

  • Greentree mortgage

    3409 GREENTREE DR , FALLS CHURCH

    Home size: 3,593 sq ft Lot size: 30,592 sqft Year built: 1956

    5 beds 4 baths $875,000

    Contact Info

    RE/MAX by invitation

    4784 Lee Highway,

    Arlington, VA 22207

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    RE/MAX by invitation

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  • The Foreclosure Fraudsters, Co-conspirators – ROBO-Signors, greentree mortgage company.#Greentree #mortgage #company


    Contact information for some bank CEOs:

    Nationwide Title Clearing will manufacture any document to cover-up the title fraud problems.

    Greentree mortgage companyFORENSIC AUDITS

    of County Land Records

    Greentree mortgage company FORENSIC EXAMINATION OF ASSIGNMENTS OF MORTGAGE RECORDED DURING 2010 IN THE

    ESSEX SOUTHERN DISTRICT REGISTRY OF DEEDS John O’Brien, Assessor-Recorder

    Greentree mortgage company FORECLOSURE IN CALIFORNIA: A CRISIS OF COMPLIANCE Phil Ting, Assessor-Recorder (2012)

    Christina Allen – Lender Processing Services Liquenda Allotey – Lender Processing Services Christine Anderson – Lender Processing Services: now appropriately called Black Knight Financial Services, a subsidiary of Fidelity National Financial Inc.

    Scott Anderson – Ocwen and Residential Loan Servicing

    Patricia Arango – Marshall C. Watson law firm (CONTRADICTS CONGRESSIONAL TESTIMONY OF

    China Brown – Wells Fargo (Piwinski case)

    Bryan Bly – Nationwide Title – Video Deposition Part 1, Part 2

    Deborah Brignac Forgeries – Deutsche Bank, Washington Mutual, Long Beach Mortgage, California Reconveyance,

    JPMorgan Chase, Fidelity

    Whitney Cook – JPMorgan Chase

    Beth Cottrell – JPMorgan Chase

    Margaret Dalton – JPMorgan Chase

    Dhurata Doko – Nationwide Title – Video Deposition Part 1, Part 2

    Alfonzo Greene – Lender Processing Services

    Laura Hescott – Lender Processing Services

    Barbara Hindman – JPMorgan Chase

    Bethany Hood – Lender Processing Services

    Pat Kingston – EMC Mortgage

    Cecelia Knox – Lender Processing Services

    Margie Kwiatanowsk – GMAC

    Topako Love – Lender Processing Services

    Crystal Moore – Nationwide Title – Video Deposition. Part 1, Part 2, Part 3, Part 4

    Noemi MoralesOcwen – Signs for Scott Anderson. Notary stamp was expired when she signed many documents.

    Erica Johnson-Seck– Indymac The corporations for which she had signing authority included the FDIC as

    conservator for IndyMac. She’s now a vice president in Austin, Texas,

    for OneWest Bank, which bought IndyMac from the FDIC.

    Stanley Silva – Ticor Title: Notice of Defaults, LPS, Fidelity, MERS, Wells Fargo

    Jodi Sobotta – Lender Processing Services

    Stacy Spohn – Chase Home Finance

    Jeffrey Stephan – GMAC Highlights by Lynn Szymoniak

    Jeffrey Stephan – Motion for Relief GRANTED – Attorney Fees Awarded on Affidavit Made in Bad Faith

    Eric Tate – Lender Processing Services

    Christina Trowbridge – JPMorgan Chase

    Rhonda Weston – Bank of America: Is one of 10,000 listed vice presidents for Bank of America and had signed

    legal documents allegedly not in the presence of a notary public and without reading the document.

    Amy Weis – Lender Processing Services

    Rick Wilken – Lender Processing Services, EMC Mortgage, MERS, HSBC, JP Morgan Chase

    From attorney Lynn Szymoniak of Fraud Digest

    To assist JPMorgan Chase , Fraud Digest suggests that it dismiss those actions where the Affidavits or Mortgage Assignments were signed by the following robo-signers: Beth Cottrell, Whitney Cook, Christina Trowbridge and Stacy Spohn from the Chase Home Finance office in Franklin County, OH; Margaret Dalton and Barbara Hindman from the Jacksonville, FL office of JPMorgan Chase;

    and any of the Lender Processing Services robo-signers from the Dakota County, MN office including Christina Allen, Liquenda Allotey, Christine Anderson, Alfonzo Greene, Laura Hescott, Bethany Hood, Cecelia Knox, Topako Love, Jodi Sobotta, Eric Tate, Amy Weis and Rick Wilken.

    In particular, JP Morgan Chase should look at those cases where the bank has supposedly assigned mortgages to WaMu , WMALT , Long Beach Mortgage Company and NovaStar trusts years after the closing dates of these trusts. The number of questionable or fraudulent documents is likely to be much closer to 560,000 than to 56,000, and that will only be a good beginning. – Attorney Lynn Szymoniak


    Greentree Mortgage Company – Mortgage Refinancing Rates & Calculator #mortgage #rates.com


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    Greentree mortgage company In this case, if you do not refinance, you may be paying too much every month for your loan. One of the great things about an FHA refinance loan is that some of these functions are available even for those who do not already have an FHA loan.

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    With consumers being hit with rates as high as 21% to 24% or more, it is not a secret that you want a lower rate and save you a bundle if you can make you. Their team will offer you all the solutions you need for trade, residential mortgages and small businesses.�They adjust loans that suit you according to your requirements: Each of these types of loans, you will need to meet specific criteria.

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    Everyone was thus eligible to lower their monthly payments and refinancing is a relatively simple way to do it. Do not let one of your current credit history you stop thinking about you a new refinancing rate mortgage.�As I already said, there are many lenders out there from which you can compare to find the type of service you are looking for.


    Greentree Mortgage Company: Mortgage Refinancing Online #mortgage #calculator #excel


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    Greentree Mortgage Company – Mortgage Refinancing Rates & Calculator #usda #mortgage


    #greentree mortgage company

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    Greentree mortgage company In this case, if you do not refinance, you may be paying too much every month for your loan. One of the great things about an FHA refinance loan is that some of these functions are available even for those who do not already have an FHA loan.

    greentree mortgage company

    With consumers being hit with rates as high as 21% to 24% or more, it is not a secret that you want a lower rate and save you a bundle if you can make you. Their team will offer you all the solutions you need for trade, residential mortgages and small businesses.�They adjust loans that suit you according to your requirements: Each of these types of loans, you will need to meet specific criteria.

    greentree mortgage company

    greentree mortgage company

    Everyone was thus eligible to lower their monthly payments and refinancing is a relatively simple way to do it. Do not let one of your current credit history you stop thinking about you a new refinancing rate mortgage.�As I already said, there are many lenders out there from which you can compare to find the type of service you are looking for.