#loanmodattorneydenver

Keith Gantenbein

Jul 18, 2017

SUPER LAWYERS Names Keith Gantenbein of Gantenbein Law Firm Denver, Colorado To 2017 Attorneys List

Gantenbein Law Firm, Denver, Colorado is proud to announce its attorney, Keith Gantenbein, was named to 2017 Colorado Super Lawyers, Rising Stars list. Congratulations to owner and managing attorney Keith A. Gantenbein Jr, who was selected, named and included on the “2017 Colorado Super Lawyers Rising Stars” list. Super Lawyers is the Thomson Reuters lawyer rating service. To be selected as a Super Lawyer, attorneys are nominated by their peers and evaluated on 12 indicators

Repeat Foreclosures On The Rise- Should You Hire A Colorado Foreclosure Defense Attorney?

Keith Gantenbein

May 17, 2017

Repeat Foreclosures On The Rise- Should You Hire A Colorado Foreclosure Defense Attorney?

Nationwide, home foreclosures have dropped to their lowest level since November 2005. During April 2017, there were 77,049 filings reported in the U.S. This number includes default notices, scheduled auctions and bank repossessions. The figures reflect the lowest number of foreclosures since the housing crisis began. While the drop is significant, at the same time there was a rise in repeat foreclosures. A repeat foreclosure is noted as any property address with the same owne

Keith Gantenbein

Dec 29, 2016

Home Loan Modifications Ending

The Home Affordable Modification Program (HAMP) was introduced in 2009 and established to help homeowners recover from the great housing bubble burst. The HAMP was part of the Making Home Affordable program (MHA) along with the Hardest Hit Fund program (HHF) that was under the Troubled Asset Relief Program (TARP). These programs were part of the Emergency Economic Stabilization Act of 2008 and put into place to help struggling homeowners avoid foreclosure. HAMP and the entire

Getting a Mortgage After a Short Sale or Foreclosure

Keith Gantenbein

Jul 14, 2016

Getting a Mortgage After a Short Sale or Foreclosure

The housing bubble triggered foreclosures to hundreds of thousands of distressed homeowners all over our nation. If you experienced a foreclosure or opted for a short sale, that doesn’t mean you will never be able to own a home again. Your credit will take a hit after a foreclosure or short sale. The Federal Housing Administration (FHA) loans are the most forgiving of foreclosures. You’ll have to wait at least three years after your foreclosure to qualify. The three years sta

Mortgage Foreclosure and Survivors' Rights

Keith Gantenbein

May 31, 2016

Mortgage Foreclosure and Survivors' Rights

California is a step closer to signing a bill into law to protect families from foreclosure after the death of the primary mortgage note holder. The Bill is known as the “Survivor Bill of Rights”. Other states may soon follow in passing similar laws. When a spouse dies, often the surviving spouse can’t afford the mortgage payment. The survivor usually calls the lender to let them know the spouse has died. When the survivor tries for a loan modification due to loss of income,

Goldman Sachs $1.5 Billion Mortgage Settlement Agreement

Keith Gantenbein

Mar 17, 2016

Goldman Sachs $1.5 Billion Mortgage Settlement Agreement

Goldman Sachs Group, Inc. announced last week they had reached an agreement to resolve an ongoing investigation of the Residential Mortgage-Backed Securities Working Group. The agreement was attained after more than seven years after the worst financial crisis hit the U.S. in which Goldman Sachs played a role. The agreement will conclude any real or potential civil claims from the Department of Justice, New York and Illinois Attorneys General, National Credit Union Administra

HUD Charges Three Loan Mod Firms With Scamming, Foreclosure Fraud

Keith Gantenbein

Jan 19, 2016

HUD Charges Three Loan Mod Firms With Scamming, Foreclosure Fraud

Our law office continues to receive numerous calls from homeowners who were scammed by so-called ‘loan modification’ companies. Most of the ‘loan modification scammers have companies based in California, Florida, New York and New Jersey. By the time the homeowner figures out the scam, they’ve lost between $700 and $5,000 on average and/or received a notice they are in foreclosure. Some homeowners have had no idea they’ve been scammed until someone comes to their door with doc

Nationstar Providing Millions of Dollars to Milwaukee Homeowners

Keith Gantenbein

Sep 2, 2015

Nationstar Providing Millions of Dollars to Milwaukee Homeowners

Nationstar Mortgage will be providing up to $30 million dollars to distressed Milwaukee homeowners under a special agreement with the city. In a move worthy of Washington politics, the majority owner of Fortress Investments, which owns Nationstar, is also the co-owner of the Milwaukee Bucks. There have been months of negotiations, bad media press and upcoming hearings on how the city will finance a proposed $500 million Bucks arena. Analysts say the two are definitely related

Keith Gantenbein

Jul 13, 2015

Denver Real Estate Attorney Keith Gantenbein Teaches CLE for National Business Institute.

Denver Real Estate Attorney Keith Gantenbein is teaching a Continuing Legal Education Class (CLE) today on the new RESPA, TILA guidelines for Loss Mit and Loan Servicing. The event is sponsored by the National Business Institute (NBI). The CLE is titled "Top RESPA, TILA and HMDA Oversights: What the CFPB and State Regulators are Looking For." ; The class will focus on foreclosure defense and loss mitigation regulations and what happens to lenders when they fail to meet those

Tax Law Legislative Update Given by Denver IRS Lawyer Tyler Murray

Keith Gantenbein

Jul 2, 2015

Tax Law Legislative Update Given by Denver IRS Lawyer Tyler Murray

Tax law attorney Tyler Murray, of Gantenbein Law Firm in Denver, presented The Annual 2015 Tax Law Legislative Update at the multi-sectional luncheon held June 10, 2015. The event, sponsored by the Colorado Bar was held at the CBA CLE office on Grant Street, Denver and attended by Denver-based attorneys representing Real Estate, Business, Trusts, Estates and Tax areas of law. Mr. Murray, spoke on recent legislation enacted this year involving changes to a wide range of tax su

Foreclosure Activity Rises, Despite Housing Gains

Keith Gantenbein

Jun 20, 2015

Foreclosure Activity Rises, Despite Housing Gains

The housing market crash was disastrous, housing recovery is taking longer than it should, and now foreclosure activity is at a 19-month high. Last month, May 2015, foreclosure activity rose again, and has risen a whopping 16% from May 2014. (Foreclosure activity is defined as foreclosure filings, default notices and scheduled auctions.) Lenders reclaimed 44,982 homes last month, up 58% from a year ago and there were 49,413 properties scheduled for auction in May. Lenders and

Keith Gantenbein

Jun 15, 2015

Some States Repossessing Homes

Analysts are looking at Ohio as a trend to what may happen throughout our nation. Foreclosures are declining but homes being repossessed by the banks are on an upward climb. In April 2015, the number of homeowners in the central area of Ohio going into foreclosure dropped. A new direction by the banks began to take shape. These central Ohio homeowners who were already in the process of foreclosure were finding the banks were aggressively repossessing their homes instead of fo

Matthew Coombs Spoke at National Bar Association Member Sam Cary Event

Keith Gantenbein

May 3, 2015

Matthew Coombs Spoke at National Bar Association Member Sam Cary Event

Senior Associate Attorney Matthew Coombs, of Gantenbein Law Firm, taught foreclosure issues for Denver communities on behalf on the Sam Cary Bar Association. The Sam Cary Bar Association is a member of the National Bar Associaton. "The SCBA is a proud member of the National Bar Association. At present, the NBA is the nation's oldest and largest national association of predominately African-American lawyers and judges. It has 84 affiliate chapters throughout the United States

Home Mortgage Debt & The IRS: What You Need To Know

Keith Gantenbein

Mar 9, 2015

Home Mortgage Debt & The IRS: What You Need To Know

Under normal circumstances, when your home mortgage debt is either all or in part cancelled you will be taxed on that amount. However, The Mortgage Debt Relief Act of 2007 generally allows taxpayers to exclude income from the discharge of debt on their principal residence. Debt reduced through mortgage restructuring, as well as mortgage debt forgiven in connection with a foreclosure, qualifies for the relief. This provision applies to debt forgiven from 2007 to 2014. Up to $2

JP Morgan Chase Robo-Signing; $50 Million Settlement to Homeowners

Keith Gantenbein

Mar 4, 2015

JP Morgan Chase Robo-Signing; $50 Million Settlement to Homeowners

In yet another settlement, JPMorgan Chase has admitted to filing tens of thousands of documents that were not reviewed by the people who had signed and authenticated to their accuracy. Many in the banking and legal community are shocked that Chase would admit to such wrongdoing in more than 50,000 fraudulent payment change notices. In court documents, it was stated that Chase “improperly signed, under penalty of perjury, by persons who had not reviewed the accuracy of the not

Keith Gantenbein

Feb 25, 2015

OCWEN: Alarmingly at Risk?

Ocwen Financial Corp. (OCN) subservices all the mortgage loans for Home Loan Servicing Solutions (HLSS). Mangrove Partners is an investment manager (hedge funds) and one of the largest shareholders of HLSS. HLSS is an affiliate of Ocwen. Mangrove Partners sent HLSS a letter demanding HLSS terminate its business relationship with Ocwen. Mangrove Partners sites a “dereliction of duty” and said it is “imperative” HLSS terminate its servicing relationship with Ocwen “without dela

Gantenbein Law Firm Provides Pro-Bono Legal Service to Denver Renters

Keith Gantenbein

Feb 6, 2015

Gantenbein Law Firm Provides Pro-Bono Legal Service to Denver Renters

Attorneys Keith Gantenbein and Matthew Coombs are deeply honored to have this special opportunity to offer their pro-bono (free) services helping the Spanish-speaking residents of Colorado who have limited means and resources. Our firm has a commitment to our community and we strive to offer help and build relationships with our neighbors. As attorneys, we recognize the difficulties accessing and understanding the justice system and are in a unique position to assist and help

Keith Gantenbein

Feb 2, 2015

More Troubles for OCWEN in 2015

Ocwen Financial Corp. faced major problems throughout 2014. It seems this year will be more of the same. Announced Friday, January 26th, Ocwen will hire outside accountants and pay $2.5 million to the state of California in exchange for the state to halt their bid to suspend the company’s license. California state regulators previously announced Ocwen failed to comply with providing them with loan information as requested. This latest settlement only covers Ocwen’s failure t

Keith Gantenbein

Jan 23, 2015

Keith Gantenbein to Teach at 2-day National CLE Regarding Rule 120, Mortgages

Excited to announce that Keith Gantenbein, of Gantenbein Law Firm, has been invited to teach at a 2-day National CLE, starting today, sponsored by the American Bankruptcy Institute (ABI). Mr. Gantenbein will be speaking about some of his most passionate issues: the Rule 120 Foreclosure Hearing in Colorado, Dual-Tracking, and CFPB (Consumer Finanacial Protection Bureau) Rules and Regulations, as they relate to mortgages. If you have an issue with your loan modification, mortag

Life After Foreclosure: Private Mortgage Insurance (PMI) Companies Suing Borrowers on Foreclosure De

Keith Gantenbein

Jan 19, 2015

Life After Foreclosure: Private Mortgage Insurance (PMI) Companies Suing Borrowers on Foreclosure De

A couple living in New England are facing another battle after losing their home to foreclosure. Their mortgage insurance company is suing them for $136,000. The Galindo’s came to the U.S. to build a better life for themselves and their toddler daughter. They worked hard and bought a two-family house in 2005 for $410,000. They didn’t have the money saved to make a large down payment so their lender required they buy an insurance policy in order to qualify for the mortgage. T