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Petition Tag - mortgage
1. Return My War Veteran's Home 
In October of 2007 Countrywide Mortgage (now Bank of America) sold James Harris's home out from under him using dummy lawyers to hide the paperwork. He was current on his payments and had papers served at his door giving him three days to move out of his home. He immediately filed a complaint, a Grand Jury was held, a court case ensued, and assurances were made to him by individuals from the AG's office that he would get his home back free and clear of the mortgage plus damages. The last time he heard from anyone was over three years ago.
All attempts to get information have been met with silence. He has even sent registered letters with return confirmation and doesn't get a response. This man was named after his uncle who was a Congressional Medal of Honor recipient (posthumously, WWII) has served three tours in Vietnam during which he was shot in the back and received flash burns to his face. He served in Granada, Panama, and Desert Storm/Desert Shield. He served his country with bravery and honor and he deserves respect from his government and its officials. He deserves answers just as much as he deserves his home back. He deserves better than having to drive past the house that was stolen from him every day when he goes to work.
In over 15 years of knowing him this is the one and only time I've ever seen him give up on anything. Please sign this petition and show him no one is giving up on him.
2. A fairer deal from US banks
The Government paid the banks money to help the people out on the loans and we have not seen any help.
I have ask Wells Fargo to work with me on my loan they told me they could not help me. I pay when I can and they just keep charging late fees to my loan and I keep paying.
We need to stand up and fight for our rights to have a home and stay in it. Help me with this.
3. Fairer discounts for right to acquire tenants
The Government has launched a “reinvigorated” Right to Buy scheme for public sector tenants that will provide £75,000 discounts to help social tenants into home ownership. This means that tenant will be given 35% discount and 1% for every year they have been a social housing tenant.
However, this does not include tenants who are under the right to aquire scheme, this scheme offers between £9000 and £16000 dependant on where they live. The government state there are currently no plans for a change in right to aquire discount policy.
So again why is one group of Tenants being treated differently from another group of Tenant. We all Public Sector Tenants.
4. Prosecute those responsible for the mortgage crisis
This Real Estate bubble was originated by government provisions that allowed banks to give loans carelessly with the only objective in mind of stimulating the economy because money would be poured into consumption. What adds insult to injury is that after the banks elevated the risks, playing recklessly with derivatives, the government used our tax money to help them instead of the victims.
People have been robbed of their home equity -in some neighborhoods more than half of the debt is currently under water, while those responsible of the mess were priviledged with financial help and continue to demand full payments to principal.
5. Add Financial Guidance to the National Curriculum
Finance is involved in all aspects of a teenager's/adult's life, yet when it comes to money it is not part of a basic skill that we teach at high schools.
If we do not ensure that the next generation of adults are aware of the monetary value of money and how to make money work, we will forever be a country in debt and forever have a country where the majority do not understand finances.
6. Stop Mortgage Loan Originator's credit reports
The Secure and Fair Enforcement for mortgage lending, the SAFE Act, requires credit reports in order to achieve a new license in the mortgage industry or to renew an existing license.
This has caused Mortgage Loan Originators with many years of experience to lose their ability to continue in their chosen profession.
We seek to have to have the State of Wisconsin not consider the credit when deciding to renew an existing license or issue a new license.
7. Support Direct Endorsement Underwriting for USDA Guaranteed Loan Program
This petition is being written to inform anyone involved in real estate financing a growing problems USDA Rural Development Guaranteed Loan Program is experiencing in getting loan submission files signed off in a timely manner. Right now it is taking 30 days for sign off on USDA Guaranteed Loan Program's before we can close these loans.
In the State of Florida the USDA offices located in Ocala, West Palm Beach and Fort Myers office of are understaffed and overworked and this particular loan program is doubling and tripling in volume due to the present status of the real estate industry and the current demans of this loan program.
By signing this petition we are letting our government know we do have a solution to this growing problem that solution could help stimulate our economy and save the government thousands of dollars by eliminating the need to hire additional staff and the ability to delegate this responsibility to the lender.
8. Government should build more shelter to reduce housing costs
The real reason Australians are struggling is because there is not enough shelter versus population.
9. Mortgage refinance for all American homeowners
Please, check this forum:
http://articles.moneycentral.msn.com/Banking/HomeFinancing/playing-chicken-with-your-home-lender.aspx?boardsparam=PostID&ucpg=4#uc2Lst
10. Economic Bail Out Package - Demand for Bank Reform
Banks are currently taking between 3 months to a year to answer offers for short sales. In that time buyers are withdrawing offers and in some cases the banks are actually auctioning off the properties for less than the offers they already have.
Example 1: An associate of mine submitted an offer for a short sale to Countrywide in May of 2008 for $380,000. Countrywide gave no response but the buyer waited. In February of 2009 Countrywide auctioned the house off for $300,000 even though they already had an offer for $80,000 more.
Example 2: A home owner has been trying to freeze her interest rate with Chase for the last 6 months. She has never been late and has a credit score of 780. Chase denied her rate freeze and increased the rate to 9%. The home owner is going to let her home go into foreclosure. Instead of just freezing the rate automatically, Chase is going to lose between $250,000-$350,000.
As a Realtor in Los Angeles I can only testify for what I've seen here. However, I know this is going on all over the country and the financial losses that result are paid by the tax payers and not by the banks that received the bailout. Why are the banks doing this? We gave them billions of dollars to throw away. It's not their money it's the American tax payers!
11. Sue the F.S.A. For Gross Negligence
The Financial Services Authority (F.S.A.)is the independent watchdog that regulates all financial services.
How then, is the U.K. in one of the biggest financial downturns ever recorded (a recession, as it has now been officially declared), when the FSA is in place to supposedly stop this sort of thing happening ?
12. Give borrowers a chance to refinance
The government bailed out many business places against the will of the people. We as Americans have been abused by congress as they go against the voices of Americans, congress has caused a great part of this recession and why should we allow these people to take our future and monies from our children especially when the congress has decided to give banks the run and say to create mortgages for the lower income people to have homes , but also have the fed banks write loans like 80/20 loans with no money down yet the loans were either compromised to go either way especially when a family wanted a thirty year fix rate they would get one but the trick was either on the regular primary note or the junior loan which was set at a high rate locked in for 30 years at 13%.
Then told with two mortgages once you were signed into it later you wouldn`t be able to refinance because you have one loan even though you have two mortgages, then they gave you a two year arm at 7.0250% nthen after two years up it went. They used language to make you feel as though you had a good mortgage fix for thirty years, but no where to be found on the primary note. The language was the killer and people trusted the lender and they took millions for the money,and now the bail out money is buying the mortgages back.
13. All loan officers and mortgage brokers should be licenced
With a large amount of Mortgage companies and Mortgage holders collapsing and defaulting in their loans, it is time to rein in the unscrupulous loan officers.