Please read this section prior to posting or registering as a member. This is a FREE forum for homeowners, attorneys, consumer activists and non-profits to share and learn various methods to stop foreclosure or obtain a loan modification. Anyone can join our community and we encourage all homeowners to unite and save our homes and protect our property rights. We need your help. So, please join us in the fight!

Trying to stop foreclosure alone can be a painful and a depressing process. This section is where you can unite with other homeowners and let out your questions, frustrations and post your whole story. The more we know, the more we can help you stop foreclosure. No one will be judged or criticized for posting their story.

Sub-Forums: Real Estate Investor Forum

Due to the OVERWHELMING amount of Countrywide Home Loan stories, issues and problems, we at Loan Safe thought it would be best to have an entire forum dedicated to tracking what Countrywide is doing to HELP struggling homeowners and how they are treating their customers. Good or bad, let your voice be heard and your story be known.

The great people at Citi Mortgage and Citi Financial (which are now merged) have contacted us at Loan Safe and asked that we make sure that their customers know that they are here to help them. We at Loan Safe believe 100% that this is true and will help facilitate this via Citi's new forum.

Chase Mortgage and Chase Home Finance are and were huge lenders. We are getting a lot of traffic from people looking for help with their adjustable rate loans. This section will help you deal with this corporate giant where people are starting to get lost in their loss mitigation system.

Loan Safe Alert: Option One is now American Home Mortgage Servicing. It seems that many Option One Mortgage/ AHMSI borrowers are struggling to get help and we have had many horror stories as well as success stories . Please tell us your story and see how Loan Safe can help.

Need Help with a deed in lieu of foreclosure AKA Take this Home & Shove It! You are not alone. We thought we would add this section to the forum to assist the homeowners that have made the tough decision to walk away from their homes. This is America and you have the right to walk away from contracts and your home. The question is what implications will you suffer for saying, "Take this home and shove it, I aint paying you no more!" Find out the good, the bad and the ugly.

This section is dedicated to the homeowners who were facing foreclosure and fought back to win the battle against their lenders. I hope to add many more stories here as times goes by. Please let us know if you have a success story that you can share to give others encouragement to keep fighting!

Wecome to the Loan Safe lounge. An area to talk about whatever you'd like to. Our community is comprised of mostly all homeowners and family people that have a lot in common. This isn't just about loans and homes, it's about the people!

Sub-Forums: Moe's Videos, Views & Theories on the Mortgage & Housing Crisis

Learn the the foreclosure process and various ways that you can stop foreclosure and save your home.

Learn everything you need to know about loan modifications. Can't refinance? Are you in a ARM mortgage that's adjusted or about to? Late on your mortgage? Then this section for you!

Learn how to wipe out your second with a mortgage bankruptcy and learn the methods to "properly" claim bankruptcy on your home and loan. n the case of second mortgages, if the value of the property falls below the loan amount, debtors potentially could reduce the balance of the loan to equal the current value of the property. YES, very interesting stuff!

The term "short sale" is very popular in today's mortgage and housing market. There are potentially millions of people facing foreclosure and a lot of these homeowners are under water on their mortgages. Some will choose to stick it out and fight. However, many will decide to choose to walk away. Short sales are becoming more and more popular as an exit strategy for homeowners. Learn the methods, software and magic it takes to navigate the foreclosure process and get the help you need.

This section is dedicated to the various foreclosure laws to help you understand the legal process.

Are you the victim of predatory lending? You're not alone. Learn about the laws and from experts who can direct you in the right direction. Mortgage laws such as the Truth in Lending Act and RESPA can save your home from predatory lenders.

Sub-Forums: Report Mortgage Fraud & Predatory Lending

This section is dedicated to the non-profit organizations that are actively helping people.

This is the latest in breaking foreclosure news hitting the internet and I think you should read it. Some of the news is helpful and some is quite disturbing. You'll find good news and bad news. But all of it's reality and we all need to face it! Please feel free to post any stories and news in this section in regards to your local market.

It is time to open up a mortgage broker/ loan officer forum for mortgage industry professionals to join, vent, share and educate homeowners about home loans. There are a lot of "ethical" professionals who could give helpful information to the homeowners who visit Loan Safe and I encouage the honest and ethical mortgage professionals to please join and assist the community in any way you can. . Please no sales pitches or links. Pay it forward and it may pay off for your business.

Looking to refinance your mortgage? Learn what loan products are still available from lenders and what mortgage is best for you.

FHA loans are coming back strong into the mortgage market. Borrowers need to get educated about the different requirements, guidelines and rates that FHA offers.

Learn all you need to know about the home equity line of credit AKA HELOC.

Learn the truth about foreclosure bail out loans and see if this type of mortgage can save your home and not break the bank.