Fannie Mae has issued the following Lender Letter:

Lender Letter 04-08: Issuance of a Temporary Halt to Foreclosures and Evictions

Fannie Mae has issued Lender Letter 04-08 announcing that it will halt all foreclosure sales on occupied single-family properties that are scheduled to occur between November 26, 2008 and January 9, 2009. During this period, servicers are encouraged to continue working with borrowers whose foreclosure sales have been halted to pursue possible workout solutions.

View the Lender Letter >>

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FDIC Announces Availability of IndyMac Loan Modification Model
“Mod in a Box” Road Map Now Available to Institutions

FOR IMMEDIATE RELEASE
November 20, 2008 Media Contact:
Andrew Gray (202) 898-7192

The Federal Deposit Insurance Corporation (FDIC) announces the availability of a comprehensive package of information to give servicers and financial institutions all of the tools necessary to implement a systematic and streamlined approach to modifying loans based on the FDIC Loan Modification Program initiated at IndyMac Federal Bank (IndyMac). The Program is designed to achieve affordable and sustainable mortgage payments for borrowers and increase the value of distressed mortgages by rehabilitating them into performing loans. Under the terms of the Program, borrowers receive a loan modification with a maximum 38% down to 31% housing-to-income ratio through the use of interest rate reduction, amortization term extension, and in some cases, principal deferment. This loan modification process improves the value of the troubled mortgages for investors while helping many borrowers experiencing financial difficulties remain in their homes.

The FDIC implemented this approach to loan modifications on August 20th after IndyMac Bank, FSB failed on July 11, 2008. As of November 20th, 2008 IndyMac has sent out more than 23,000 modification letters to eligible borrowers and has completed more than 5,300 modifications after verifying the borrowers’ income. Thousands more are in the pipeline.

Although foreclosures are costly to lenders, borrowers and communities, the number of foreclosures continues to rise while the pace of modifications remains too slow. Currently, 1.6 million total loans are over 60 days delinquent. Through the end of 2009, the FDIC estimates that there will an additional 3.8 million new loans over 60 days past due. Today’s release of the FDIC’s “Mod in a Box” guide will provide the industry with the necessary tools to facilitate streamlined and systematic loan modifications to help stem foreclosures, halt the decline in home prices and provide needed stability to the broader economy.

FDIC Chairman Sheila C. Bair said, “The IndyMac loan modification framework is an effective loss mitigation strategy for both portfolio and securitized mortgages. I have long supported a systematic and streamlined approach to loan modifications to put borrowers into long-term, sustainable mortgages—achieving an improved return for bankers and investors compared to foreclosure. Implementing widespread loan modifications based on the Program used at IndyMac will strengthen local neighborhoods where foreclosures are driving down property values and will help stabilize the broader economy. I would encourage all industry participants to adopt the FDIC Loan Modification Program as the standard approach in dealing with the grave problems facing us with continued mounting foreclosures.”

The FDIC Loan Modification Program guide is available at:
http://www.fdic.gov/consumers/loans/loanmod/loanmodguide.html

# # #

Congress created the Federal Deposit Insurance Corporation in 1933 to restore public confidence in the nation’s banking system. The FDIC insures deposits at the nation’s 8,451 banks and savings associations and it promotes the safety and soundness of these institutions by identifying, monitoring and addressing risks to which they are exposed. The FDIC receives no federal tax dollars – insured financial institutions fund its operations.

FDIC press releases and other information are available on the Internet at www.fdic.gov, by subscription electronically (go to www.fdic.gov/about/subscriptions/index.html) and may also be obtained through the FDIC’s Public Information Center (877-275-3342 or 703-562-2200). PR-121-2008

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United States
v.
National Association of Realtors
(appraiser, appraisal)

Certificate of Compliance with Provisions of the Antitrust Procedures and Penalties Act (11/07/2008)
[Amended Proposed] Final Judgment (11/07/2008)
Plaintiff United States’ Motion for Entry of the Amended Proposed Final Judgment and Memorandum in Support (11/07/2008)
Response of the United States to Public Comments on the Proposed Final Judgment (10/23/2008)
Plaintiff’s Reply in Support of Motion to Exclude Testimony or, Alternatively, to Issue a Request For International Judicial Assistance (02/28/2008)
Plaintiff’s Motion for the Court to Exclude Testimony or, Alternatively, to Issue a Request for International Judicial Assistance (02/08/2008)
Competitive Impact Statement (06/12/2008)
Stipulation (05/27/2008)
[Proposed] Final Judgment (05/27/2008)
Memorandum Opinion and Order Denying Defendant’s Motion to Dismiss Complaint of the United States (11/27/2006)
Memorandum of the United States In Opposition to Defendant’s Motion to Dismiss (02/06/2006)
Notice of Motion (12/23/2005)
United States’ Motion of Entry for Protective Order (12/23/2005)
United States’ Memorandum in Support of Motion for Entry of Protective Order (12/23/2005)
[Proposed] Protective Order Governing Designation and Disclosure of Confidential Information (12/23/2005)
Declaration of David Kully (12/23/2005)
Amended Complaint (10/04/2005)
Complaint (09/08/2005)

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MBA’s FHA Bimonthly LIVE Online Conference -With HUD and MBA Staff
Thursday, November 20, 2:00 p.m.-3:30 p.m. EST

The Mortgage Bankers Association (MBA) is pleased to announce the next offering of its popular FHA Bimonthly LIVE Online Conference. Significant developments within FHA reform continue to be a primary focus within our economy and on Capitol Hill. Learn how these and other occurrences affect the mortgage industry moving forward.

Join experts from MBA and senior staff from the U.S. Department of Housing of Urban Development (HUD) to be updated on the latest FHA developments and how they affect your business. This LIVE Online Conference is an excellent opportunity to ask questions on how FHA will position themselves under the new administration of President-Elect Barack Obama.

This conference gives members and other industry professionals the opportunity to hear from and interact with these experts, including:

Meg Burns, Director of the Office of Single Family Program Development, U.S. Department of Housing and Urban Development
Jim Beavers, Director, U.S. Department of Housing and Urban Development
Joanne Kuczma, Director-Home Mortgage Insurance Division, Federal Housing Administration
Tamara King, Director, Loan Production, Government Affairs, Mortgage Bankers Association
Ken Markison, Associate Vice President and Regulatory Counsel, Government Affairs, Mortgage Bankers Association
These experts will cover the following:

Home Equity Conversion Mortgages (HECM) issues, including HECMs for purchase and recent Mortgagee Letters
Loan limits and cash-out refinances
Questions regarding the Hope for Homeowners
Space is limited on this popular LIVE Online Conference, so be sure to register now to ensure your participation.

Read notes from the last FHA Bimonthly LIVE Online Conference, which took place September 18.

MBA’s FHA Bimonthly LIVE Online Conference takes place Thursday, November 20 from 2:00 p.m.-3:30 p.m. EST.

Cost to attend: If you are interested in participating in this LIVE Online Conference, you must register. The fee is $175.00 per site for MBA members and $225.00 per site for nonmembers. Click the button below to register online or call (800) 348-8653.

Part of MBA’s FHA Bimonthly LIVE Online Conference series: This program is part of a regularly scheduled series with senior FHA staff. Learn more about this series.

About LIVE Online Conferences
Save money and time with MBA’s LIVE Online Conferences, powered by CampusMBA, the education division of MBA. This interactive format enables participants to easily view presentations, download articles and analyses and interact with experts through their desktop or laptop computers. All that is needed to participate in this convenient and inexpensive format is a computer with an Internet connection and a phone. This saves both travel expenses and time away from the workplace.

Site Registrations: All LIVE Online Conference registrations are considered “site” registrations. Each site registration can have one or many participants. A site registration is equal to one connection. This means if you have multiple participants at one site, they must all be on the same phone line and internet connection. Additional phone lines or internet connections will require additional registrations. PLEASE NOTE: The person who registers for the program must participate and log in to the site.

Limited Space: Due to limited number of seats on our online conference system, we are only able to present the full interactive program to the first 120 sites that connect on the day of the program. However, if you dial in after those allotted seats are full, you will still be able to participate in the audio portion of the program. All visual conference materials that will be used during the presentation will be available to all registered sites following the program. Please call (800) 348-8653 with questions.

To learn more about LIVE Online Conference Policies, visit http://www.campusmba.org/AboutCampusMBA/CampusMBAPolicies

Designation Credit

Participants receive one half point toward a Certified Mortgage Banker (CMB) Designation. Learn how all participants at your site can earn CMB Points from this conference at (202) 557-2873.

To learn more about CampusMBA and its programs, visit www.campusmba.org.

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This advertisement is brought to you by the Mortgage Bankers Association (MBA).

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fha aPPRAISER, FHA APPRAISAL,

ANAHEIM (November 2008) – Southern California Multiple Listing Service (SoCalMLS), the second largest MLS in the nation, takes great pride in being the sole MLS providing its 50,000 customers the document delivery service MongoFax™, at no additional cost. MongoFAX is the fastest most cost-effective way to send and deliver important paper documents.

With MongoFAX SoCalMLS customers can use any fax machine to digitally deliver paper documents instantly to any email address in the world.

MongoFAX™ empowers users to instantly scan, convert and Email hardcopy documents as searchable PDFs. All that is needed is an ordinary fax machine and MongoFAX™ Email cover page. SoCalMLS customers are able to significantly reduce courier, mail, and overnight delivery costs; dramatically reduce paper and toner expenses; close transactions faster; deliver cleaner documents ensuring that they don’t get lost and easily maintain a digital archive copy of your files.

“One of the goals of SoCalMLS is assisting our customers in expediting the real estate transaction”, said SoCalMLS CEO Russ Bergeron. “When we first saw the power of MongoFAX™ we immediately saw that it was a valuable tool that would help us reach that goal. Ease of use and dependability are a must for any product used by our customers, and MongoFAX™ delivers on both. A million faxes later and we’re still going strong.”

“MongoFAX™ competes with overnight delivery, courier, postal mail, traditional fax, scanning and archiving services. MongoFAX™ empowers anyone to send paper to any of the world’s two billion email users”, enthuses Kevin Ames, MongoFAX™ Account Manager. “MongoFAX™ provides a means to fax disclosures, contracts and any important documents directly to anyone’s email address. The service converts paper to Adobe® PDF with no added hardware or software, all you need is the Email Cover Page. It couldn’t be easier!”

“I’ve been using MongoFAX for over four years”, states Wayne Woodyard, President of Laguna Board of Realtors, “It is the best way to send and deliver paper files as PDF. MongoFAX is the easiest and simplest-to-use service we have ever given to our agents. Our clients love it because they prefer receiving faxes to their email as opposed to traditional faxes. MongoFAX helps people close deals faster. It’s nice to see that most of California’s residential real estate agents seem to be standardizing on this great scanning service.”

About SoCalMLS: For 15 years SoCalMLS, the second largest MLS in the U.S.A., has prided itself on a record of outstanding customer service while supporting a vast array of products and services to as many as 55,000 real estate professionals throughout the Southland – earning itself the reputation as the preferred provider of real estate information technology services. For more information please visit news.SoCalMLS.com or e-mail info@SoCalMLS.com.

About MongoNet: MongoNet’s creative, collaborative environment is located in North Beach, San Francisco. www.MongoNet.net . Backed by the Founders of Adobe Systems and other investors, MongoNet®, has developed a patented open scanning service that provides the utility of PDF scanning from the world’s fax machines (U.S. Pat. Nos. 6,424,426; 7,079,275; 7,164,488 and other patents pending). The service, called MongoFAX™, turns the world’s 130 million fax machines into searchable PDF scanners - with no added hardware or software.

For information on becoming a member of SoCalMLS, click the link below:
http://socalmls.frogpond.com/DispAdvertising.cfm

commercial appraiser, appraisal

fanniemae appraiser, fanniemae appraisal

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Announcement 08-30: Appraisal-Related Policy Changes and Clarifications

Fannie Mae has issued the following Announcement:

Announcement 08-30, Appraisal-Related Policy Changes and Clarifications

To help our lenders make the soundest underwriting decisions possible, we are instituting new policies to provide greater guidance to appraisers. Please review the new Market Conditions Addendum to the Appraisal Report (Form 1004MC) and the updated Appraisal Frequently Asked Questions for guidance about the Addendum as well as information about other appraisal topics.

View the Announcement >>

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Greensboro, NC - 5.78 +/- Acres Vacant Residential Land
Auction Dates: December 01, 2008 - December 03, 2008

San Antonio, TX - Single Family Residence
Auction Dates: December 01, 2008 - December 03, 2008

Trenton, FL - Single Family Residence & 114.4 +/- Acres of Land
Auction Dates: December 02, 2008 - December 04, 2008

Buffalo, NY - Single Family Residence
Auction Dates: December 02, 2008 - December 04, 2008

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TIP: The best way to obtain the greatest number of listings when performing a search on The MLS.com/THEMLSPRO™ is to select ONE of the following criteria: MLS#, APN#, City, Zip Code, or Address.

FEATURES/MODULES
STATUS

Email Auto Notifications Will resume on Saturday morning, November 15, 2008
Private Client Website Auto-Notifications Will resume on Saturday morning, November 15, 2008
Top Producer Connection Now fully functioning
The MLS.com Guests Site Updated as of the afternoon of Friday November 14, 2008
The MLSAlliance™ Updated as of the afternoon of Friday November 14, 2008
All CARETS ™ Listings Photos All Photos will be displayed the afternoon of Monday November 17, 2008
Display Maps for all existing CARETS™ Listings Already fully operational
Prospect Module Currently, only 5 prospects can be updated on the system at any given time

Thank you for your patience and understanding during this conversion process. In order to provide all of our members with the highest quality of service, we are continuously monitoring and working on the system.

If you have any questions about CARETS™ contact The MLS Help Desk at (310) 358-1833 you may email them at customersupport@themls.com, learn more about CARETS™ at TheMLS.com.
In order to help our members during this transition, The MLS®/CLAW has extended their business hours:
Monday-Friday: 8:00 a.m. to 7:00 p.m.
Saturday -Sunday: 9:00 a.m. to 2:00 p.m.

This message was sent to harris_curtis@sbcglobal.net. To stop ALL email correspondence from The MLS®/CLAW, click here to remove yourself from our lists.

The MLS®/CLAW|822 S. Robertson Blvd. #202 | Los Angeles, CA 90035

appraiser, appraisal