Prop. 19: Legalizes Marijuana - California Initiatives 2010 http://ping.fm/Ckc2Q

Bank of America Sued Over Loan-Modification Practices - BusinessWeek http://ping.fm/FIQVz

List of California ballot propositions | Ask.com Encyclopedia http://ping.fm/xAaSE

David Callahan: Secrets of Florida's http://ping.fm/abwO9

The Legitimacy of Securitization: Behind the Headlines http://ping.fm/jM0n4

Activists march on two Burien banks to protest foreclosure practices | The Highline Times / Des Moines News http://ping.fm/ZQwRT

Reasons Why People Should Vote http://ping.fm/fGTtz

Understanding the importance of voting http://ping.fm/Zvpb0

Ohio's Top Attorney May Sue Mortgage Company | NBC 4i http://ping.fm/CH7vy

Wells Fargo servicing ratings may be cut - Moody's | Reuters http://ping.fm/zgldW

With foreclosures crisis, banks undermine faith in markets - Oct. 26, 2010 http://ping.fm/Ot4ju

Q+A: Elections to shape mortgage reform, someday - Business - msnbc.com http://ping.fm/3UR7v

William K. Black: Foreclose on the Foreclosure Fraudsters, Part 1: Put Bank of America in Receivership http://ping.fm/lyeDO

New Home Sales Up in September. Inventory Dwindled Down to 204,000 Units http://ping.fm/9EtfK

What does the bank take into consideration for a loan modification? http://ping.fm/aUZ24

Wells Fargo (NYSE:WFC) Sued For Racist Lending http://ping.fm/CgMak

Refinance Apps Account for 82.3% of All Mortgage Activity http://www.mortgagenewsdaily.com/channels/news/rsscomments.aspx?PostID=178823

Fed, Bernanke Detail Response to Foreclosure Crisis - Real Time Economics - WSJ http://ping.fm/HZIJ2

Law firms gear up for work on cases involving faulty foreclosures http://ping.fm/v11WY

The Article Experts » Banks Sue Each Other over Predatory Loans http://ping.fm/ZsyT8

Mortgage Professionals Still Considered Scum. Time to Man Up http://ping.fm/OukaR

Housing Finance Practices Need Improvement from Start to Finish http://ping.fm/aKyDi

B of A Finds Foreclosure Mistakes - FoxBusiness.com

Bank of America Corp (BAC: 11.15 ,-0.31 ,-2.71%) acknowledged some mistakes in foreclosure files as it begins to resubmit documents in 102,000 cases, the Wall Street Journal said.

The bank found errors in 10 to 25 out of the first several hundred foreclosure it examined starting last Monday, the newspaper said.

The problems included improper paperwork, lack of signatures and missing files, as well as cases in which information about the property and payment history being unmatched, the Journal said.

From: http://www.foxbusiness.com/markets/2010/10/25/bank-america-finds-foreclosure-mistakes-report/

B of A Finds Foreclosure Mistakes - FoxBusiness.com http://ping.fm/o9RBs

A long road seen ahead on foreclosure mess - TODAY Home & Garden - TODAYshow.com http://ping.fm/bPHwv

Bernanke: Fed is probing flawed foreclosure process and its risks for economy - CSMonitor.com http://ping.fm/nhhYZ

Federal Reserve Examining Foreclosure Practices; New Report Details Policy Efforts http://ping.fm/1m9gR

Bank of America Finds Mistakes in Foreclosure Files; MBS Issuance 95% Agency Paper; What is an Allonge?; Document Curing Timeline

On Friday, as thousands of offices and families across the United States debated whether the 3 colors of traditional candy corn tasted any different, the FDIC was busy.

The press releases all had pretty much the same verbiage: "(Name of Bank, State) was closed today by the (State) Office of Financial Regulation or OCC, which appointed the Federal Deposit Insurance Corporation (FDIC) as receiver. To protect the depositors, the FDIC entered into a purchase and assumption agreement with (Rescue Bank)." Progress Bank of Florida, FL is now Bay Cities Bank (FL). First Bank of Jacksonville (FL) is now Ameris Bank (GA). The Gordon Bank (GA) is now Morris Bank (GA). The First National Bank of Barnesville (GA) is now United Bank (GA). First Suburban National Bank (IL) is now Seaway Bank and Trust Company (IL). Hillcrest Bank (KS) is now Hillcrest Bank (KS). Lastly, the FDIC approved the payout of the insured deposits of First Arizona Savings (AZ).

From: http://ping.fm/YoMdX

Bank of America Finds Mistakes in Foreclosure Files; MBS Issuance 95% Agency Paper; What is an Allonge?; Document Curing Timeline http://www.mortgagenewsdaily.com/channels/pipelinepress/10252010-mortgage-foreclosure-halloween.aspx

Special Report: The haves, the have-nots and the dreamless dead - Politics - msnbc.com http://ping.fm/kCbb2

GSEs Outsource Loss Mitigation Duties to Special Servicers http://ping.fm/M2BeF

Special Report: The haves, the have-nots and the dreamless dead - Politics - msnbc.com http://ping.fm/l2dJ7

★ The Nation's only Forensic Loan Auditor Certification Training (San Diego - November 11 - 14th)

Become a Certified Forensic Loan Auditor!

Call us today at 310-432-6304

http://www.certifiedforensicloanauditors.com/

Join a booming career and enroll in our 32-hour in-person, comprehensive forensic loan audit certification training program

Certified Forensic Loan Auditors, LLC is Attorney Operated, and Better Business Bureau Accredited.

Certified Forensic Loan Auditors, LLC (CFLA) is a network of experienced professionals specializing in the research and analysis needed to provide Attorneys and Loan Modification Companies with a total package support that they need to even the playing field with Lenders and successfully negotiate loan modifications or file predatory lending lawsuits.

Our service is focused on providing Law Firms and Loan Modification professionals the most highly reliable and dependable "Premium Forensic Loan Audits" in the industry.

http://www.certifiedforensicloanauditors.com/5.0_forensic_loan_auditor_certification_training_program_namu.html

Become a Certified Forensic Loan Auditor Today!

http://www.certifiedforensicloanauditors.com/

Visit our website for more information:

http://www.certifiedforensicloanauditors.com/

Standard enrollment fee is $2,995.00 $2,495.00 ($500 off with early registration)

Register online at:

http://www.certifiedforensicloanauditors.com/5.0_forensic_loan_auditor_certification_training_program_namu.html#registration

CERTIFIED FORENSIC LOAN AUDITORS, LLC

13101 West Washington Blvd., Suite 140, Los Angeles, CA 90066;

ph: 310-432-6304; info@CertifiedForensicLoanAuditors.com

www.CertifiedForensicLoanAuditors.com

Pre-Registration is required and can be done over the phone at 310-432-6304, with Visa or MasterCard, or by Check. Registration forms will be emailed after payment is complete. Late Registration allowed until one week prior to course enrollment!

Certification Training Testimonials

"Highly recommend this for those who truly and sincerely want to help people save their homes especially during these hard economic times. Foreclosures are at an all time high and the fraud is unbelievable. Forensic Audits (certified) are the basis of litigating a fraudulent loan and this needs to be exposed now, Homeowners have a greater chance of saving their homes thru zeroing out their loan debt and/or negotiating their existing loan(s). A big plus but many are not aware. Mahalo for opening this opportunity so we can help the homeowners save their homes”"

Mark Aquino (Class on 10/14)

"Attorneys, Brokers, Loan Officers and others definitely need to get certified from the Certified Forensic Loan Auditors. It’s a very, very powerful tool to use it against predatory Lending Act violation when banks violate the law."

Edna Franco (Class on 10/14)

"I recommend the “Certified Forensic Loan Auditors” course to any professional in today’s Mortgage-Banking and Legal litigation firm. These professionals would enhance their business"

Ernest Gorriti (Class on 10/14)

"This is the perfect course if you have some Mortgage knowledge and want to help clients"

Kellar Covington (Class on 10/14)

"Great class! Very informative. Marla really cares about the student’s success. Fast paced class but it’s worth it"

Jean Griffin (Class on 10/14)

"It was a rewarding class! Also very challenging to audit the loans during the class. I am looking forward to putting this knowledge to work for me!"

“I came in to this class wanting to do professional, competent, and comprehensive forensic loan audits and that is exactly what this class has done for me! As a mortgage professional looking to sustain myself in this career field, I have found that this class has opened up a wealth of opportunities for me and was easily worth the time and money.” Mark Martinez

“Auditing provides an alternative to loan modifications and provides a level of strength for homeowners and lawyers to negotiate with. Finally, there is a class out there that teaches the tools to fight this against these financial institutions in this terrible economic mortgage crises.” Angela Narain White

“The knowledge and experience of the teachers and attorneys prepared me to complete a loan audit with confidence I would recommend this class to anyone.” Wayne Goldman

Visit our website for more and up to date testimonials

Class sizes are small- Only 10 students per class, so reserve your seat ASAP

http://www.certifiedforensicloanauditors.com/5.0_forensic_loan_auditor_certification_training_program_namu.html

Presented by:

Certified Forensic Loan Auditors, LLC, its Senior Auditors and Attorneys

Program Information:

This is a comprehensive 4-day training course to get you CERTIFIED as a “FORENSIC LOAN AUDITOR”

Objectives:

* Study and learn important mortgage topics related to forensic loan auditing. * Expand your knowledge of the legal and compliance aspects of forensic loan auditing.

* Receive a Certification as a CFLA-Certified Forensic Loan Auditor

Requirements:

• Must promptly attend and be present for a minimum of 32 hours of training.
• Must satisfactorily pass a criminal background check/ Sex Offender Check [looking mostly for fraud, embezzlement]
• Must satisfactorily pass the NAMP final examination at the end of the course. Trainees will know right on the spot!!!!!

Major Topics:

* Truth in Lending Act * Real Estate Settlement Procedures Act * Home Ownership Equity Protection Act * State and Federal Discrimination Laws *Fair Debt Collection Practices Act * State Disclosure Laws * State Common Laws * Broker Licensing * Loan Transaction Documentation * Proper Calculation of APR and Finance Charges * Underwriting Standards and Methodologies * Predatory Loan Indicators * Legal Standing & Other Foreclosure Defenses * Securitization, Chain of Title, MERS and much more!!!

* This course will cover forensic loan auditing for possible violations of the Truth in Lending Act, Real Estate Settlement Procedures Act, Home Ownership Equity Protection Act, Fair Debt Collection Practices Act, and other pertinent State & Federal statutes and common law principles to look for in the loan documentation.

Designed for:

* All professionals in the mortgage, real estate, legal, and finance professions involved in loan modifications, lender litigation and/or forensic auditing. A basic knowledge of relevant loan transaction documents will be assumed.

________________________________________

Speakers:

1. Marla Giddings, Senior Certified Forensic Loan Auditor
________________________________________

Location:

CFLA, LLC [Conference Room]
13101 W. Washington Blvd.
Los Angeles, CA 90066

Registration:

Pre-Registration is required and can be done over the phone at 310-432-6304, with Visa or MasterCard, or by Check. Registration forms will be emailed after payment is complete. Late Registration allowed until one week prior to course enrollment!

Pricing:

$2,995.00 for the one-week course. You will also receive a Certification recognizing you as a CFLA-CERTIFIED FORENSIC LOAN AUDITOR
$2,500.00 EARLY BIRD REGISTRATION RATE IF REGISTERED BY NOV 5, 2010

Benefits of the Course:

Become Certified as a "Forensic Loan Auditor"

Maintain Students Records in a Nationwide searchable database to verify and validate certification for prospective employers

Learn from Industry's Leading Experts

Obtain flowcharts, work product, and other proprietary trade secrets that have made millions for certified forensic loan auditors, its sponsors, and affiliates.

SAMPLE AUDIT [at link below]

http://www.certifiedforensicloanauditors.com/9.0_audit_sample_112409.pdf

SAMPLE DEMAND LETTER [at link below]

http://www.certifiedforensicloanauditors.com/9.4_Sample_QWR.pdf

SAMPLE CIVIL COMPLAINT [at link below]

http://www.certifiedforensicloanauditors.com/9.2_complaint_809.pdf

CREDIT CARD AUTHORIZATION FORM [at link below]

http://www.certifiedforensicloanauditors.com/9.6_cc_authorization.pdf

TRAINING REGISTRATION FORM [at link below]

http://www.certifiedforensicloanauditors.com/9.5_registration_form.pdf

Please contact this office if you have any questions.

CERTIFIED FORENSIC LOAN AUDITORS, LLC
13101 West Washington Blvd., Suite 444
Los Angeles, CA 90066;
Phone: 310-432-6304

sales@CertifiedForensicLoanAuditors.com

www.CertifiedForensicLoanAuditors.com

The Nation’s Leading Real Estate Forensic Loan Auditing Company

Special Report: The haves, the have-nots and the dreamless dead - Politics - msnbc.com http://ping.fm/OPgPq

FHFA Projects Continued GSE Losses. Surprise! http://ping.fm/VRvvP

Special Report: The haves, the have-nots and the dreamless dead - Politics - msnbc.com http://ping.fm/SFXMz

Special Report: The haves, the have-nots and the dreamless dead - Politics - msnbc.com http://ping.fm/I87LW

Special Report: The haves, the have-nots and the dreamless dead - Politics - msnbc.com http://ping.fm/aS675

Reforms Aimed at Broker Business. Deploying Capital to the Right Origination Channel http://ping.fm/jFfyt

A comical rendition of the foreclosure process http://ping.fm/57rJL

National bank Moratorium of Foreclosures

http://www.certifiedforensicloanauditors.com/

Evidence of the success of Certified Forensic Loan Audits is all over the recent news publications [see National bank Moratorium of Foreclosures] as Bank of America & JP Morgan Chase have both issued National Bank Moratoriums halting Foreclosure[s] while internal Forensic loan Audits are performed on these loan files to determine compliance with State & Federal Statutes.

http://azcapitoltimes.com/news/2010/10/14/moratorium-on-foreclosures-triggers-housing-concerns-nationwide/

http://www.newsweek.com/2010/10/14/what-you-need-to-know-about-flawed-foreclosures.html

http://thehill.com/blogs/congress-blog/economy-a-budget/124429-the-big-question-should-congress-pass-a-national-moratorium-on-foreclosures

The success of Certified Forensic Loan Auditors is directly connected to these Banks Moratoriums as this office has audited nearly 100,000 Residential Home Loans since 2007, finding major compliance violations in nearly all of them.

Moreover, Certified Forensic Loan Auditors has prepared more than 5,000 State & Federal lawsuits on behalf of Attorneys representing the interests of their clients who were victims of this Predatory lending!
There is no better time than now to get training and Certified as a Forensic Loan Auditor in this emerging field!

Call us today at 310-432-6304 to get registered for the next Nationwide Forensic Loan Auditor 32 hour Certification Class!!!

http://www.certifiedforensicloanauditors.com/

http://www.certifiedforensicloanauditors.com/5.0_forensic_loan_auditor_certification_training_program_namu.html

FHA Commissioner Outlines Recent Updates and Discusses New Policy Initiatives http://ping.fm/N7IzN

HUD & DOT Release $68 Million in Community Development Funding http://ping.fm/UN8k2

Loan Buyback Requests Seldom Successful Without Blatant Fraud http://ping.fm/2eRmT

The Mortgage Fraud Scandal Is The Biggest In Human History http://ping.fm/d0otS

Robo-Signing Not the Only Issue with Foreclosures http://ping.fm/ApPQW

BofA shares plunge to June 2009 low on mortgage woes | Reuters http://ping.fm/WzBmE

Creative and informative way of explaining the foreclosure crisis - Mom Raps About Foreclosure

http://ping.fm/57rJL

All States Join Nationwide Mortgage Licensing System. Verification Checkpoint Provided http://ping.fm/k9FRG

ROBOCLOSURE-GATE: Getting Down to the Nitty Gritty. Poo Hits Fan http://ping.fm/kuYJa

Housing Starts +0.3%. Building Permits -5.6%. Completions +7.3% http://www.mortgagenewsdaily.com/channels/news/rsscomments.aspx?PostID=177252

DATA FLASH: Housing Starts +0.3%. Building Permits +5.6%. Completions +7.3% http://www.mortgagenewsdaily.com/channels/news/rsscomments.aspx?PostID=177252

HUD Highlights Unintended Consequences of Robosignings. Solution Needed ASAP http://ping.fm/bPuAu

The Mortgage Fraud Scandal Is The Biggest In Human History http://ping.fm/d0otS

The Mortgage Fraud Scandal Is The Biggest In Human History

We have long known that lender fraud was rampant during the real estate boom. The FBI began warning of an “epidemic” of mortgage fraud as early as 2004. We know that mortgage originators invented “low doc” and “no doc” loans, encouraged borrowers to take out “liar loans”, and promoted “NINJA loans” (no income, no job, no assets, no problem!). All of these schemes were fraudulent from the get-go...

From: http://ping.fm/gXrLG

Goldman's Top Economist Says There Are Only Two Scenarios, Bad And Very Bad http://ping.fm/pj3eb

Regulators Expand CRA Eligible Lending Activities http://ping.fm/Z7cdF

Want to fix the mortgage mess? Companies must recognize individual problems. http://ping.fm/ODMSX

Bank Stocks Fall Over Unquantified Mortgage Risks - WSJ.com http://ping.fm/fSjy7

Bank of America Exits Wholesale Lending. Big Deal? http://ping.fm/yV9Rn

FDIC Chair Addresses Robo-Signings and Poor Servicer Incentives http://ping.fm/1ntyw

Lenders Foreclosed on Record Number of Properties in Q3 http://ping.fm/b3DAT

America's new poor: the end of the middle-class dream | Paul Mason | Comment is free | The Guardian http://ping.fm/LrFA7

States coordinate 'robo signing' response | Inman News http://ping.fm/hv3S8

Pressure intensifies on mortgage lenders - World news - msnbc.com http://ping.fm/seGox

FHFA Releases Framework for Dealing with Foreclosures. Borrowers Must Play Ball http://ping.fm/2cNPq

Offering “Forensic Loan Auditor Certification” Training [Las Vegas] 10/14-10/17. Check website for updates http://ping.fm/XbmA8

Forensic loan auditor certification class - Las Vegas - 10/14/2010 - Last chance - register today (310)432-6304 http://bit.ly/9Wl0Md

FHA Clarifies Lender Indemnification Process and Performance Expectations http://ping.fm/4w5Rf

HUD Announces Program to Help Borrowers Bridge Housing Payments http://ping.fm/T0r3g

Pressure intensifies on mortgage lenders - World news - msnbc.com http://ping.fm/kn8X8

Forensic loan auditor certification class - Las Vegas - 10/14/2010 - Last chance - register today (310)432-6304 http://bit.ly/9Wl0Md

Bank of America halts foreclosure sales - MarketWatch

Would you buy a foreclosed home now, knowing full well the title may be clouded by mortgage fraud? I wouldn't. Anyone who would without title insurance is asking for a huge legal mess.

From: http://ping.fm/w9Qkt

Unclear Titles Will Sideline Buyers of Foreclosed Properties for Many Months -- Seeking Alpha

Would you buy a foreclosed home now, knowing full well the title may be clouded by mortgage fraud? I wouldn't. Anyone who would without title insurance is asking for a huge legal mess.

From: http://ping.fm/A0XK5

Unclear Titles Will Sideline Buyers of Foreclosed Properties for Many Months -- Seeking Alpha http://ping.fm/XxZt2

President Obama Slays Bill of Foreclosure http://ping.fm/PesUz

US probes claims of illegal house repossessions | The Australian http://ping.fm/xHpQ6

US probes claims of illegal house repossessions | The Australian

ALLEGATIONS that homes across America have been repossessed illegally have triggered an official investigation.

Eric Holder, the Attorney-General, said that the Justice Department would look into reports that loan servicers, which work for lenders, have been using "robo-signers" - individuals who have signed thousands of foreclosure documents a week without checking the paperwork.

The move coincides with a decision by the White House to review pending legislation on home foreclosures.

Both actions add heat to a growing controversy that has forced at least three banks to halt eviction proceedings.

Coming only weeks before the congressional elections, it has highlighted one of the most visible and emotive aspects of the economic crisis in America, which has resulted in millions of people losing their homes...

From: http://ping.fm/LspMR

Bank of America halts foreclosure sales - MarketWatch http://ping.fm/Yvn6B

Forensic loan auditor certification classes - Las Vegas - 10/14/2010 - Register today (310)432-6304 http://bit.ly/9Wl0Md

Florida lawyer warns of deepening foreclosure mess | Reuters http://ping.fm/0NhNS

Bank of America Halts Sales of Foreclosed Home Inventory http://ping.fm/7R6sA

Foreclosure Fiasco: No End in Sight. Nothing But a Big Mess http://ping.fm/4rAIN

Iris Martin: Homeowners: The Courtroom is Your Battlefield

My recent book, Mortgage Wars: How You Can Fight Fraud and Reverse Foreclosure predicted that those homeowners victimized by predatory lenders would fight back and win the war against foreclosure. Now, it is happening.

The opportunity for a complete transformation of the global financial services industry is upon us. The halting of recent foreclosures due to sloppy paperwork is just the tip of the iceberg. Ultimately, it will be discovered that the holders of mortgage backed securities have no legal link to the mortgages that secured them due to more sloppy paperwork. This will result in an avalanche of legal proceedings from both homeowners and investors.

Read More... http://ping.fm/UAMlk

From: http://ping.fm/T2cQq

Iris Martin: Homeowners: The Courtroom is Your Battlefield http://ping.fm/HuEY0

Mortgage Industry Rules and Regs Being Rewritten. Who Will Survive? http://ping.fm/jSl0o

The Forensic Loan Audit is a cutting edge product, utilized by successful Attorneys. Visit or contact us http://ping.fm/9eXKT 310-432-6304

Forensic loan auditor certification classes - Las Vegas - 10/14/2010 - Register today (310)432-6304 http://bit.ly/9Wl0Md

Purchase Demand Rallies Ahead of FHA MIP Change. Seller Concession Reduction Still in Limbo http://ping.fm/jSJra

Bank of America Shuts Down Wholesale Lending Operation http://ping.fm/PJ6ne

Concerns Grow Over Servicers' Right to Foreclose. New Closings Already Delayed http://ping.fm/Vf7MF

BofA halts foreclosures in 23 states | Inman News http://ping.fm/lrxkh

Pending Homes Up Two Months in a Row. Consumer Confidence Plays a Role http://ping.fm/1jx7B

Forensic loan auditor certification classes - Las Vegas - 10/14/2010 - Register today (310)432-6304 http://bit.ly/9Wl0Md

Forensic Loan Auditor Certification Training - 10/14/2010 Call today and save $500 off registration (310) 432-6304 http://bit.ly/9Wl0Md

The Securitization Audit is a cutting edge product, utilized by successful Attorneys. See our samples: http://ping.fm/jmuSE

The Forensic Loan Audit is a cutting edge product, utilized by successful Attorneys. Visit or contact us http://ping.fm/9eXKT 310-432-6304

Loan Servicers Prepare for Borrower Backlash. Lawsuits Mounting http://ping.fm/3iQ8T

Forensic loan auditor certification classes - Las Vegas - 10/14/2010 - Register today (310)432-6304 http://bit.ly/9Wl0Md

Mortgage Market Risk Models Built on "Flawed" Assumptions http://ping.fm/TxXXS