On the subject of "Countrywide Mortgage" in California and the settlement with the state Attorney General.  Call the following number 1-800-669-6607 and tell Countrywide that you want a loan modification based on the Attorney's General lawsuit.

Make sure you get the name of person and take notes on the conversation.  If Countrywide will not help you or not take your call.  Send a letter concerning your phone call with copies of any supporting documentation to the following address:

Office of the Attorney General
Public Inquiry Unit
P.O. Box 944255
Sacramento, CA  94244-2550

On the subject of "IndyMac Bank" and modification to your existing loan.  Go to the IndyMac web site www.indymac.com and look for the "Loan Modification Portal" page.  Enter your SS# and loan # to see if your loan can be modified.

On the subject of Fannie Mae & Freddie Mac, they will be suspending foreclosures from November 26, 2008 - January 9, 2009.  They will come out with a new loan modification program on December 15, 2008.  Give your lender a call to see if Fannie or Freddie has your loan.

On the subject of Hope for Homeowners Program, call 1-888-995-HOPE or www.hopenow.com to apply for this HUD program.  This has to be your primary home and your current mortgage payment has to be over 31% of your current gross income.  Go to the website and look at the additional program qualifications.

On the subject of Mortgage Fraud, I am sponsoring an intake form that will allow you to fill in information about your montage broker, bank , real estate agent, appraiser, and specific items dealing with the mortgage if you suspect mortgage fraud or predatory lending.  I have a working partnership with the San Bernardino County Bar Association and we will evaluate this information for possible class action.  I feel that no one is addressing the financial damage to the homeowner and this program will try to develop just compensation for you.  Please email me to receive this form.  All information is confidential.

Good Day Big Bear - John Wells Show - Channel 6 - 12/08/2008

On the subject of Tenant Eviction, California passed Senate Bill 1137 on July 8, 2008 to address the problem of a tenant facing eviction after the property has been foreclosed.  This bill would give a tenant or subtenant in possession of a rental housing unit at the time the property is sold in foreclosure, 60 days to remove himself or herself from the property.

Please contact Legal Aid Society of San Bernardino 909-889-7328 and tell them you are a tenant and your landlord home has been foreclosed.  You are looking for help with the tenant eviction and possible "cash for keys" from the bank to help with your move and relocation expenses.

On the subject of talking to your mortgage company about mortgage modification, If the lender will not talk to you or wants you to be 60 - 90 days late on your mortgage payment, call the Hope for Homeowners Program 888-995-HOPE.