BEGIN:VCALENDAR METHOD:PUBLISH CALSCALE:GREGORIAN PRODID:-//EVDB//www.eventful.com//EN VERSION:2.0 X-WR-CALNAME:Grand Opening & Open House in Palmdale\, CA at Woodland B usiness Park at the Offices of Edwin Estrada\, CPA - Eventful BEGIN:VEVENT DTSTART:20090109T160000 DTSTAMP:20081221T082126Z SUMMARY:Grand Opening & Open House DESCRIPTION:\n \n \n \n\n \n Normal\n 0\n \n \n false\n false\n false\n \n \n \n \n \n \n \n \n\n \n \n\n\n\n\n\n\n\n\n\ n \n\n \n \n \n\n \nHi! My name is\nSteven Silvers. You may remember me as a Countrywide loan officer for KB\nHome in the Antelope and Sa nta Clarita valley areas several years ago. \n \nI now manage Hope Ho using Agency\, a non-profit\nhousing agency. \n \nI want to personal ly\ninvite you to our Grand Opening on Friday\, January 9th\, 2009\nat our office which is located in the Woodland Business\n Park at 1543 E . Palmdale Blvd.#A.\n\n \nCome by anytime\nbetween 4 and 8 pm for ref reshments and festivities - bring your family and friends! \n \nPleas e RSVP by\nclicking "Register Now" so we can be sure to have enough fo od and\ndrink for everybody! \n\nNote: We originally scheduled an Open House\nfor the holidays (on Dec. 18\, 2008) but it SNOWED! SNOW in Pa lmdale shuts down\nthe freeway and most roads\, and schools and busine ss close for safety purposes\nto keep folks off the ice-covered roads. So we had to cancel the December 18\nevent. In its place we are throw ing\na Grand Opening on Jan. 9\, 2009!\n \nI wish you a Happy New Yea r. God bless\, and I look forward to seeing\nyou again. \n\n~~~~~~~~~~ ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~\n\nHope Housing Agency is comm itted to providing you with superior home owner assistance. If\nyou ar e having difficulties making your mortgage payments we can help you sa ve\nyour home from foreclosure.\n\n\n\n\nHope Housing facilitates prof essional loan\nmodification services through our housing counseling\, CPA and\nattorney network. We are fully compliant with California cons umer protection laws\nregulating foreclosure consultants (such as Cali fornia Civil Code 2945 and\n1695).  \n\n \nHope Housing works for YO U not your lender. Do not confuse us with the “Hope Now Alliance.” T he “Hope Now\nAlliance” is an alliance of lenders. It obtained its s tart-up funding from a\nSub-Prime lender for the purpose of steering d istressed homeowners to “housing\ncounselors” who were members of th eir lender alliance. This “Alliance” of lenders pays those counselor s up\nto $1\,500 for each homeowner they steer to the lender – so tho se counselors\nwork for the lenders (since it is the lender who pays t hem). The intended\neffect of this steering is to keep homeowners away from counselors who truly\nwork for the homeowner. \n \nWhy do they want to keep\nhomeowners away from counselors like the Hope Housing Ag ency? Because the\nprobability is very high that your loan documents m ay contain serious lending\nviolations\, especially if you obtained yo ur home loan between 2000 and 2007 –\nand especially if you have a su b-prime loan\, a “stated income” loan or a low- or\nno-doc loan. \n  \nAs an independent housing\ncounseling agency\, we employ a Forensic CPA and Certified Fraud Examiner\, loan\nunderwriters and attorneys t o examine your mortgage documents. \n \nIf violations are found we ca n submit a\nHUD-approved housing counselor’s assessment\, a professio nally prepared forensic\nloan audit\, Forensic CPA fraud findings and an attorney opinion letter to your\nlender. This demonstrates that you have grounds to file a lawsuit if they\nneglect to negotiate a reason able settlement. \n \nNo counselor\nassociated with the Hope Now Alli ance would do this for you because they work\nfor the lender and no le nder wants you to find out that your loan may have\nsignificant lendin g violations!\n \nThe fact is that many\nloans contain significant vi olations of Federal TILA and/or RESPA lending laws.\nOur forensic audi t of your loan documents includes (but is not limited to) a\ncomplianc e examination of your initial and final Truth-in-Lending Statements\,\ nGood Faith Estimates\, HUD-1 Settlement Statement\, High-Cost Loan di sclosures\,\nand all other state and federally-required mortgage loan disclosures. \n \nWe also examine your loan documents for\nevidence o f lender misconduct\, breach of fiduciary duty\, due diligence\,\nmisr epresentation\, unconscionability and other matters of ethics or acts of fraud or negligence\, etc.\n \nLenders are required to respond to our\nqualified written requests within 20 days. They have 60 days from the date of\nour request to remedy the violations through a loan\nmod ification or workout agreement. If they neglect to agree to an equitab le\nremedy the homeowner is entitled to bring a claim for any violatio ns. Such a\nclaim could cost the lender a substantial sum to defend an d it could place\nforeclosure proceedings on hold for up to two years or more if the lender opts\nto defend the case in federal court. There fore\, it is more cost-effective to\nthe lender to settle by agreeing to a reasonable loan modification settlement.\n \nOur proposal for a reasonable loan modification settlement to\nsave your home includes pe rmanent modifications to the terms of your mortgage\nin order to give you a low fixed interest rate with sustainable and affordable\npayment s\, a reduction in principle if you owe more on your home than it is\n currently worth\, and more.\n \nCall 661-273-6173 to schedule a compl imentary\, no-obligation consultation to see how Hope Housing Agency m ay be able to assist you.\n \nBy the way\, I'm never too busy for you r referrals. Online Event Registration powered by Eventbrite LOCATION:Woodland Business Park at the Offices of Edwin Estrada\, CPA @ 1543 East Palmdale Boulevard Suite A, Palmdale, California 93550 Uni ted States SEQUENCE:1229847686 UID:E0-001-018404130-4 URL:http://eventful.com/E0-001-018404130-4 END:VEVENT END:VCALENDAR