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Independent Foreclosure Review

Homeowners whose primary residence was part of a foreclosure action between January 1, 2009 and December 31, 2010, and whose home loan was serviced by a participating servicer, may be eligible for a free Independent Foreclosure Review.

The Board of Governors of the Federal Reserve System and the Office of the Comptroller of the Currency (federal bank regulators) have required an Independent Foreclosure Review by an independent consultant to identify eligible customers who may have been financially injured due to errors, misrepresentations or other deficiencies in their foreclosure process. If the review finds that financial injury occurred, the customer may receive compensation or other remedy.

To qualify, your mortgage loan would need to meet the initial eligibility criteria:

  • Your mortgage loan was serviced by one of the participating mortgage servicers (See ).
  • Your mortgage loan was active in the foreclosure process between January 1, 2009 and December 31, 2010.
  • The property was your primary residence.

Eligible customers will be mailed a letter by December 31, 2011 that explains the Independent Foreclosure Review process and a Request for Review Form that identifies some examples of situations that may have led to financial injury. The form must be completed and postmarked no later than April 30, 2012.

As the April 30, 2012 deadline approaches and you feel that your mortgage loan meets the initial eligibility criteria; however, you still have not received a form and would like to have one sent to you by mail, or if you need help completing the form you have received already, please call 1-888-952-9105, Monday through Friday, 8 a.m.–10 p.m. ET or Saturday, 8 a.m.–5 p.m. ET. You may also request a replacement questionnaire. For additional information regarding this process please visit

The Independent Foreclosure Review is free. Beware of anyone who asks you to pay a fee for any foreclosure review service. If you or a loved one is in danger of losing your home, don’t wait! Contact our office today for more information on how Howard Law attorneys can help!