ANALYSIS OF HARP REFINANCE PLAN

This is an analysis of the new refinance plan being considered by the Obama Administration.  It covers related issues to the plan, problems with the plan, and what is really going on.

9TH CIRCUIT COURT RULING ON MERS REVIEWED

This is a review of the Cervantes v Countrywide, a 9th Circuit Court ruling in favor of MERS. 

The impact of this ruling cannot be overstated. For the Western States, it removes many of the arguments that attorneys have used for homeowner defense. 

http://globaleconomicanalysis.blogspot.com/2011/09/arizona-circuit-court-ruling.html?x#echocomments

PROMOTING HOUSING RECOVERY = PARTS 1, 2 & 3

A lengthy article posted in three parts and on two different pages, it explores how the housing industry got to this point, and what is needed to promote housing recover.

http://ml-explode.com/2011/08/promoting-housing-recovery-parts-i-and-ii/

http://ml-explode.com/2011/08/promoting-housing-recovery-part-iii-proposed-solutions-for-the-housing-market/

RESOLVING THE FORECLOSURE CRISIS

One of a series of articles written, or to be written, detailing what is needed to be done to restore housing viability.  This article deals with the Foreclosure Crisis.

http://ml-explode.com/2011/08/resolving-the-foreclosure-crisis/

FORCES FACING THE HOUSING MARKET

This article describes both current and future forces that will affect the Housing Recovery in the U.S. It is the lead article in a series of article meant to examine Housing in great detail, and offer a perspective on how to resolve the issues.

http://ml-explode.com/2011/08/forces-facing-the-housing-market/

ANALYSIS OF QUALIFIED RESIDENTIAL MORTGAGE PROGRAM REFORM

In response to the Housing Crisis and the lack of oversight of loan underwriting practices, the Dodd-Frank Act required new standards for underwriting loans and for securitization of loans.  This resulted in the proposed regulations and underwriting standards of Qualified Residential Mortgage standards.  This article reviews and disects the standards.

http://ml-explode.com/2011/08/an-analysis-of-the-proposed-qrm-rules/

COMPREHENSIVE HOMEOWNER FINANCIAL RECOVERY PROGRAM - THE NEW PARADIGM

This article details a new approach to achieving loan modifications.  It emphasizes using a cooperative approach to modification efforts.  It describes methods to reduce other debt, including revolving debt and second mortgages, so as to make a loan modification more attractive to lenders.

http://ml-explode.com/2011/07/%EF%BB%BFloan-modification-the-comprehensive-homeowner-financial-recovery-program-the-new-paradigm/

ANATOMY OF A GOVERNMENT-ABETTED FRAUD - ONE WEST BANK/INDYMAC

An article detailing the "sweetheart deal" that the FDIC provided OneWest Bank when it took over IndyMac Bank.  Describes why obtaining a loan modification is so difficult.

http://iamfacingforeclosure.com/blog/2009/12/01/anatomy-of-a-government-abetteded-fraud-why-indymaconewest-always-forecloses/

HAMP = FORECLOSURE

An article written in Feb 10 detailing why HAMP would be a failure.  Describes the issues with HAMP and why borrowers receiving HAMP mods would likely re-default.

http://blog.ml-implode.com/2010/04/hamp-foreclosure/

INTERNET FORECLOSURE MYTHS

An article describing Internet Myths regarding possible foreclosure defenses.

http://blog.ml-implode.com/2010/04/internet-foreclosure-myths/

FORENSIC LOAN AUDITS - THE REAL STORY

An article that explains the true story of the Forensic Loan Audit, and what can really be expected.

http://iamfacingforeclosure.com/blog/2009/09/30/forensic-loan-audits-debunked-demystified/

TILA & RESPA RESCISSION INEFFECTIVE IN REAL WORLD

This article explains why Rescission of a loan is ineffective in the real world of foreclosure defense.

http://iamfacingforeclosure.com/blog/2009/08/13/tila-and-respa-rescission-ineffective/

PREDATORY LOAN MODIFICATIONS

This article explains how many loan modifications could be predatory in nature and the related issues.

http://blog.ml-implode.com/2010/05/predatory-loan-modifications/