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for more info send email to admin@ikeepmyhome.com

In response to the recent housing crisis, I Keep My Home has developed a web based application that enables Service Providers (Attorneys, Community Organizations, Churches, etc) to assist troubled homeowners in keeping their home.

Whether you are an Attorney, Charity, a Church… if you want to EFFECTIVELY help troubled homeowners, you ABSOLUTELY need this software – an online service, nothing to download or install — that:

  • efficiently organizes all the necessary data
  • keeps track of all events (i.e.  foreclosure, BK, communications, document exchange, etc.)
  • ACCURATELY and automatically fills all the “required” documents with ease!
  • generates reports, statistics, and charts
  • uses electronic fax and e-signature features to save time and improve your efficiency
  • role-based security (admin, co-worker, negotiator…)
  • fully customizable
  • and a lot more…

Individual home owners have LESS THAN 1 PERCENT success rate with Loan Modification !!!
Our Associates have 85% success rate !!!

The sooner you contact us, the sooner you can help troubled homeowners get on the road to financial recovery.
Take Action Today !

Contact us via email at: admin@ikeepmyhome.info or call us at 805-489-7119
Or just go directly to I Keep My Home Web Application and click on “Create Your Account”.
As soon  as we process your request, you will be able to test-drive our application.

 I Keep My Home is a 501(c)(3) non-profit organization


Proudly working with our partners:

Left Right
LULACThe League of United Latin American Citizens (LULAC)

is a volunteer organization encouraging community involvement, particularly in the areas of civil rights, education, health issues, the environment and participation in the political process. L.U.L.A.C. continues to strive for the enhancement of the community as a whole.

The California Healthy Communities Network  is organized around a simple idea – that at strategic moments our many organizations should join forces around a clearly articulated agenda to promote and uphold the rights of a healthy community. Our Network stands for three main objectives to ensure the rights of healthy communities: Process Reform ~ Raising Standards ~ Legal & Political Accountability

Welcome, and Congratulations !!!  

You just made the first, and most important step toward KEEPING YOUR HOME.
Our Network connects Home Owners, Sponsors, Charity Organizations, Counsels,
and Investors to expose a wide range of options to help Home Owners Keep Their Home.

Here is how we can help
We are helping Home Owners at every step during their struggle:

  • learn from our latest BLOG postings
  • read the latest news about the troubled market
  • learn about all the options to keep their homes
  • learn about latest techniques, tools to fight back
  • participate in our discussion forums
  • consider “short sale”
  • interested Home Owners can list their properties to consider for short sale.
We are closely working with Charities / Non-Profits / Sponsors:

  • to show them how to effectively assist Home Owners
  • provide online training to use our WEB Application
  • educate them to lead Home Owners through the process
We are referring Attorneys / Realtors and other Qualified Professionals.

  • assist Home Owners with Loan Modification steps
  • help Home Owners with filing legal documents
  • represent Home Owners on court if necessary
  • assist Home Owners seeking bankruptcy protection to save their property
  • allow access to Home Owners’ documents on our WEB-based Application
  • provide access to property data if the Home Owner considers short sale.
We are closely working with qualified Investor Members.

  • allow them to search our WEB-based Application
  • allow them to identified “troubled loans” in our Database, that allows them to negotiate with banks / servicers / lenders and find a possible short sale option for the Home Owner.
  • allow participation in online webinars to meet Home Owners and Sponsors
  • allow them to search / examine documents if the Home Owner is interested in short sale.


Are you walking away?
     DON’T !!!

  • New innovative extraordinary ideas.
  • Don’t negotiate – fight, and stay in your home.
  • Challenge your alleged creditor.
  • Your bank servicer (debt collector) is not your lender.
  • Your lender is not your creditor.
  • Your creditor is not foreclosing.
  • The bank (debt collector) cannot foreclose, they’re only collecting a debt.
  • Force their hand.
  • Cost effective easy steps to expose bank fraud.


The foreclosure debacle was caused 100% by the intentional negligence of the large banks and the mortgage banking industry with Freddie Mac and Fannie Mae, which are private banks just like the Federal Reserve, standing first in line to give the public a royal screwing! They would like to blame the irresponsible borrower expecting too much out of life, and Americans’ caught up in dreams of making it into the leagues of the thieving psychopaths falling for it hook line and sinker. First, I object to these mortgages being termed loans. To loan something means you have it to begin with. That is the consideration that one party, the bank, supposedly brings to the contract. The other party, the borrower offers, for his part in consideration, thirty years of promised payments plus collateral. The problem is, the money is “created” by the bank when the “borrower” signs the promissory note.When you get a “Loan” from a bank, they monetize your promise to pay, ie. the Promissory Note. Think of it as you signing a check for the amount of the loan. The bank then takes that note, endorses the back of it, just like a check, and then they transmit that endorsed note to the Federal Reserve, who in turn credits the bank for that amount. So what just happened? You just funded the loan yourself, with your signature! Then they have you sign a Deed of Trust giving the bank a security interest in the house that you just paid for with your signature. This is called Fraudulent Conversion and it has been happening day in and day out in this country since 1933. To add fraud on top of fraud, a few years ago banks came up with this scheme to make even more money by bundling these securities and selling them to unwitting investors, but in their exuberance for more profit, they got careless with their bookkeeping, maybe drunk on hubris thinking they would never get caught. The adjustable loans were not to blame because there are borrowers of those loans that are not in default. Furthermore, if the conveyance had been properly recorded and insured, it would have preserved the chain of title. If there was a default, the home would have gone to the investor. However, the mortgages were not returned to the secondary market so that they could be recycled. I believe that was what caused the crash. In the past, when a loan was packaged, the lender would sell it on the secondary market and when it changed hands it would be sold to Fannie Mae or Freddie Mac. Moreover, the transfer would be recorded and guaranteed. With federal backing of Fannie and Freddie the payments would be funneled through to Fannie and Freddie and they would pay the originating bank so they could make loans on more real estate. What the Banks did this time instead of selling the loan to the secondary market is they bundled it without title insurance or recording or a legally obtained assignment from the homeowner. Furthermore they did not follow through with the process because they were more interested in taking the asset to trade or gamble on the derivatives market so there was nothing left to lend. Then the assignment ended up with an entity called M.E.R.S. and, without standing to foreclose or knowledge of who had the right to the monthly payments, there was a cloud on the title. To assess the damages one must take into account the facts that the real estate market was inflated through price fixing resulting in some violations of anti-trust laws. Furthermore, appraisals which were pushed by the banks that were unrealistic and the real estate was intentionally funded with trash loans to borrowers who could not afford them because of the way that many of them were structured. The worst loans were offered to the poorest and most disenfranchised minorities such as single mothers of color who have always been the scapegoats of these types of singularly evil plans. Many other borrowers were unable to refinance as they had been promised because of prepayment penalties and other manipulations that were foisted upon them in order to keep them from refinancing even if they qualified. That was because the loan would have to be re-conveyed and there was no note with which the bank could accomplish that. In all cases, when borrowers had questions about these loans, they were reassured that there would be an easy way to refinance them in the future.



Learn More about Bankruptcy Protection: The automatic stay in bankruptcy is the only guaranteed tool to stop your home from being sold at trustee sale. Depending on how you structure your strategy; you may give yourself one, two, three years or more in YOUR HOME. Bankruptcy court is the best venue to challenge your lender’s claim as being the true creditor. Catch your bank, creditor, debt collector, and their attorneys in acts of FRAUD, CONSPIRACY, THEFT, EXTORTION, and RICO VIOLATIONS. Punish them to fullest extent of the LAW. SEND MULTIPLE AGENCY’S COMPLAINT LETTER. FIGHT, FIGHT, FIGHT, TAKE OFF THE GLOVES AND FIGHT SOME MORE. KICK THEM WHILE THEIR DOWN. DON’T LOSE YOUR HOME. THIS IS A WAR IN CASE YOU HAVE NOT FIGURED THAT ONE OUT YET. FIGHT, FIGHT, FIGHT, TO STAY IN YOUR HOME. THERE’S NO RULES, NO LAW, NO HONOR, ONLY CONTROL BY THE MOST EVIL ENTITIES IN THE UNIVERSE.

Problems with Loan MOD’S

  • Has the bank told you to miss 3 mortgage payments before you can apply?
  • You are technically in default after missing 1 payment.
  • Most mortgages have been securitized, bundled with others and sold to Wall Street.
  • The banks cannot modify loans that they don’t own.
  • You can fight to stay in your home.


Here is what you have to know about Loan MOD’S: What Does Loan Modification Mean? A modification to an existing loan made by a lender in response to a borrower’s long-term inability to repay the loan. Loan modifications typically involve a reduction in the interest rate on the loan, an extension of the length of the term of the loan, a different type of loan or any combination of the three. A lender might be open to modifying a loan because the cost of doing so is less than the cost of default. Since the initial lender sold the mortgage along with thousands of others to Wall Street in what is called Mortgage Backed Securities the initial lender has become nothing more than a “debt collector” for the new (owners) investors. The debt collector cannot modify a loan that it doesn’t own. The borrowers think they are modifying their current loan with the debt collector when in fact they are entering into “forebearance” where there is a reduction in the payment. But the reduction is not forgiven only deferred to a later date. This process adds penalties, late fees, administration fees and interest to the loan or is bolted on to backend of the loan, all the while the foreclosure process continues. By entering into forebearance with the debt collector you have given them a new “promissory note” and you’ve also acquiesced to their claim of legal standing, so you know they’re not going to lose this one. Forebearance will drag on for months, all the while you will receive foreclosure notices which the debt collector will explain away as a clerical error. At some point in time the debt collector will advise you that you no longer qualify for that Loan Modification and the foreclosure process will proceed. The debt collector will have made more money. The money paid in forebearance could have been used to fight them in the first place.
Foreclosure Gate
  • Foreclosures require original documents which the banks no longer have.
  • Because they cannot be corrected with legitimate paperwork, the debt collectors had to hire “foreclosure mills” to fabricate the documents.
  • The media has characterized this as “flawed paperwork” and sloppiness.
  • These errors go deeper than mere sloppiness, they are concealing a massive fraud.


Amid a snowballing foreclosure fraud crisis, President Obama blocked legislation that critics say could have made it more difficult for homeowners to challenge foreclosure proceedings against them. The bill passed the Senate with unanimous consent and with no scrutiny by the DC media. In a maneuver known as a “pocket veto,” President Obama indirectly vetoed the legislation by declining to sign the bill passed by Congress while legislators are on recess. The White House issued a statement regarding the veto, citing the need for “further deliberations on the intended and unintended impact of [the] bill on consumer protections, including mortgages, before this bill can be finalized.” The swift passage and the president’s subsequent veto of this bill come on the heels of an announcement that Wall Street banks were voluntarily suspending foreclosure proceedings in 23 states. By most reports, it would appear that the voluntary suspension of foreclosures were underway to review simple, careless, procedural errors – errors which the conscientious banks are hastening to correct. Even Gretchen Morgenson in The New York Times characterizes the problem as “flawed paperwork.” However, those errors go far deeper than mere sloppiness; they are concealing a massive fraud. They cannot be corrected with legitimate paperwork, and that was the reason the servicers had to hire “foreclosure mills” to fabricate the documents. These errors involve perjury and forgery – fabricating documents that never existed and swearing to the accuracy of facts not known. Three large mortgage issuers – JPMorgan Chase, Bank of America and GMAC – voluntarily suspended thousands of foreclosures, and a number of calls have been made for investigations. Ohio Attorney General Richard Cordray announced on that he is filing suit against Ally Financial and GMAC for civil penalties up to $25,000 per violation for fraud in hundreds of foreclosure suits. These problems cannot be swept under the rug as mere technicalities. They go to the heart of the securitization process itself. The snowball has just started to roll. You Can’t Recover What Doesn’t Exist Yves Smith of Naked Capitalism has uncovered a price list from a company called DocX that specializes in “document recovery solutions.” DocX is the technology platform used by Lender Processing Services to manage a national network of foreclosure mills. The price list includes such things as “Create Missing Intervening Assignment,” $35; “Cure Defective Assignment,” $12.95; “Recreate Entire Collateral File,” $95. Notes Smith: [C]reating… means fabricating documents out of whole cloth, and look at the extent of the offerings. The collateral file is ALL the documents the trustee (or the custodian as an agent of the trustee) needs to have pursuant to its obligations under the pooling and servicing agreement on behalf of the mortgage backed security holder. This means most importantly the original of the note (the borrower IOU), copies of the mortgage (the lien on the property), the securitization agreement, and title insurance. How do you recreate the original note if you don’t have it? And all for a flat fee, regardless of the particular facts or the supposed difficulty of digging them up. All of the mortgages in question were “securitized” – turned into Mortgage Backed Securities (MBS) and sold off to investors. MBS are typically pooled through a type of “special purpose vehicle” called a Real Estate Mortgage Investment Conduit or “REMIC,” which has strict requirements defined under the US Internal Revenue Code (the Tax Reform Act of 1986). The REMIC holds the mortgages in trust and issues securities representing an undivided interest in them. Denninger explains that mortgages are pooled into REMIC Trusts as a tax avoidance measure, and that to qualify, the properties must be properly conveyed to the trustee of the REMIC in the year the MBS is set up, with all the paperwork necessary to show a complete chain of title. For some reason, however, that was not done; and there is no legitimate way to create those conveyances now, because the time limit allowed under the Tax Code has passed. The question is, why weren’t they done properly in the first place? Was it just haste and sloppiness as alleged? Or was there some reason that these mortgages could NOT be assigned when the MBS were formed? Denninger argues that it would not have been difficult to do it right from the beginning. His theory is that documents were “lost” to avoid an audit, which would have revealed to investors that they had been sold a bill of goods – a package of toxic subprime loans very prone to default. The Tranche Problem Here is another possible explanation, constructed from an illuminating CNBC clip dated June 29, 2007. In it, Steve Liesman describes how Wall Street turned bundles of subprime mortgages into triple-A investments, using the device called “tranches.” (Video: “Burning Down the House) It’s easier to follow if you watch the clip, but this is an excerpt: How do you create a subprime derivative? … You take a bunch of mortgages … and put them into one big thing. We call it a Mortgage Backed Security. Say it’s $50 million worth…. Now you take a bunch of these Mortgage Backed Securities and you put them into one very big thing…. The one thing about all these guys here [in the one very big thing] is that they’re all subprime borrowers, their credit is bad or there’s something about them that doesn’t make it prime…. Watch, we’re going to make some triple A paper out of this … Now we have a $1 billion vehicle here. We’re going to slice it up into five different pieces. Call them tranches…. The key is, they’re not divided by “Jane’s is here” and “Joe’s is here.” Jane is actually in all five pieces here. Because what we’re doing is, the BBB tranche, they’re going to take the first losses for whoever is in the pool, all the way up to about 8% of the losses. What we’re saying is, you’ve got losses in the thing, I’m going to take them and in return you’re going to pay me a relatively high interest rate…. All the way up to triple A, where 24% of the losses are below that. Twenty-four percent have to go bad before they see any losses. Here’s the magic as far as Wall Street’s concerned. We have taken subprime paper and created GE quality paper out of it. We have a triple A tranche here. The top tranche is triple A because it includes the mortgages that did NOT default; but no one could know which those were until the defaults occurred, when the defaulting mortgages got assigned to the lower tranches and foreclosure went forward. That could explain why the mortgages could not be assigned to the proper group of investors immediately: the homes only fell into their designated tranches when they went into default. The clever designers of these vehicles tried to have it both ways by conveying the properties to an electronic dummy conduit called MERS (an acronym for Mortgage Electronic Registration Systems), which would hold them in the meantime. MERS would then assign them to the proper tranche as the defaults occurred. But the rating agencies required that the conduit be “bankruptcy remote,” which meant it could hold title to nothing; and courts have started to take notice of this defect. They are concluding that if MERS owns nothing, it can assign nothing, and the chain of title has been irretrievably broken. As foreclosure expert Neil Garfield traces these developments: First they said it was MERS who was the lender. That clearly didn’t work because MERS lent nothing, collected nothing and never had anything to do with the cash involved in the transaction. Then they started with the servicers who essentially met with the same problem. Then they got cute and produced either the actual note, a copy of the note or a forged note, or an assignment or a fabricated assignment from a party who at best had dubious rights to ownership of the loan to another party who had equally dubious rights, neither of whom parted with any cash to fund either the loan or the transfer of the obligation…. Now the pretender lenders have come up with the idea that the “Trust” is the owner of the loan … even though it is just a nominee (just like MERS)…. They can’t have it both ways. My answer is really simple. The lender/creditor is the one who advanced cash to the borrower…. The use of nominees or straw men doesn’t mean they can be considered principals in the transaction any more than your depository bank is a principal to a transaction in which you buy and pay for something with a check. So, What’s to Be Done? Garfield’s proposed solution is for the borrowers to track down the real lenders – the investors. He says: [I]f you meet your Lender (investor), you can restructure the loan yourselves and then jointly go after the pretender lenders for all the money they received and didn’t disclose as “agent.” Karl Denninger concurs. He writes: Those who bought MBS from institutions that improperly securitized this paper can and should sue the securitizers to well beyond the orbit of Mars…. [I]f this bankrupts one or more large banking institutions, so be it. We now have “resolution authority,” let’s see it used. The resolution authority Denninger is referring to is in the new Banking Reform Bill, which gives federal regulators the power and responsibility to break up big banks when they pose a “grave risk” to the financial system – which is what we have here. CNBC’s Larry Kudlow calls it “the housing equivalent of the credit financial meltdown,” something he says could “go on forever.” Financial analyst Marshall Auerback suggests calling a bank holiday. He writes: Most major banks are insolvent and cannot (and should not) be saved. The best approach is something like a banking holiday for the largest 19 banks and shadow banks in which institutions are closed for a relatively brief period. Supervisors move in to assess problems. It is essential that all big banks be examined during the “holiday” to uncover claims on one another. It is highly likely that supervisors will find that several trillions of dollars of bad assets will turn out to be claims big financial institutions have on one another (that is exactly what was found when AIG was examined – which is why the government bail-out of AIG led to side payments to the big banks and shadow banks)…. By taking over and resolving the biggest 19 banks and netting claims, the collateral damage in the form of losses for other banks and shadow banks will be relatively small. What we need to avoid at all costs is “TARP II” – another bank bailout by the taxpayers. No bank is too big to fail. The giant banks can be broken up and replaced with a network of publicly-owned banks and community banks, which could do a substantially better job of serving consumers and businesses than Wall Street is doing now. The following is a comment from a reader: “Reviews documents”, as in actually look for what the banks know they don’t have and must now track or recreate out of whole cloth. The current financial machinery of Wall Street assumes that such things as actual, signed documents from the mortgagor are as quaint as civil liberties under the national security state. The system “dispensed” with them, although the law hasn’t, because they were clumsy, time consuming and expensive to maintain, and because the last thing banks usually get right is the paper work. They hate it, because they so often screw it up, which is one reason that little 2-point type in your credit card agreement tells you such screw ups are your problem if you don’t tell the bank about them within 30 days of receiving your statement. Banks are in big trouble if the legal system actually makes them produce original signed documents, which assumes, of course, that the party attempting to enforce a claimed lien on real estate actually is the correct party in interest, paperwork or not, another knotty problem the system has tried to dispense with in practice without explicitly curtailing your rights through an outright and public, legislature-based “reform” of the legal system. State and federal judges should make banks and their slew of agents act through the correct party and produce the correct paperwork. Knowingly failing to do that should result in permanent loss of their lien on the underlying real estate. That probable consequence is a major reason behind the “voluntary” suspension of enforcement. Just to be clear, this has nothing to do with good corporate citizenship – today, one of the great oxymorons – or legitimate, pro-consumer reform of banking practices. The bank limo has made an unexpected halt along the roadway, while bank lobbyists work double-time to try and ease the path of enforcement without having actually to prove who owns the lien and has the original paperwork to prove it (assuming any was legitimately created in the first place, another knotty problem the banks have created for themselves).