An owner-occupier (also known as an owner-occupant or home owner) is a person who lives in a home that he or she owns. It is a type of housing tenure. The home of the owner-occupier may be, for example, a house, apartment, condominum, or a housing cooperative. The immovable property of the owner, which includes the home and the land upon which it sits, is known as the real estate.  (

Resources can be defined as the skills, energies, talents, abilities and knowledge that are used for the production of goods or the rendering of services.  (

Stories from Resources

Monday, July 1st, 2013

If you are one of the many Americans in need of mortgage assistance or have questions on how to stop foreclosure on your home, we may be able to help you get back on your financial feet and, hopefully, avoid foreclosure. We are the Homeownership Preservation Foundation, the people behind the national Homeowner's HOPE Hotline at 888-995-HOPE.

Homeowners with financial worries call us around the clock every day for free, reliable mortgage-related information and foreclosure avoidance guidance. Our trained housing counselors are there 24/7 to provide assistance in 170 languages. They can answer foreclosure prevention questions, explain available state and Federal government mortgage relief programs, help with budget questions, and even get on the phone with you and your lender to help you have an easier conversation with them about your circumstances and discuss options available to you.
Thursday, December 20th, 2012


My previous work as an urban planner made me acutely aware of how big an impact the foreclosure crisis would have on our cities and towns throughout the United States. However, very little was mentioned in the news. 

It was important to me to present the whole story in a way that would captivate people’s attention and make a memorable statement. Making map quilts seemed an ironic solution. Quilts act as a functional memory, an historical record of difficult times.  It is during times of hardship that people have traditionally made quilts, often resorting to scraps of cloth when so poor they could not afford to waste a single thread of fabric.

The neighborhoods shown are not an anomaly; they are a recurring pattern seen from coast to coast, urban to suburban neighborhoods across the US.

Wednesday, June 27th, 2012

On the pages in this section you’ll find accurate, straightforward information and guidance specific to the State of Washington related to such topics as loan modifications, short sales, foreclosure defense litigation, bankruptcy… and other topics related to getting through the foreclosure crisis.

We’ve created these Washington specific pages in response to the proliferation of scammers polluting the Internet with misinformation and outright lies intended to sell something to homeowners at risk of foreclosure that they don’t need.  These sites are literally everywhere, and some are very good at appearing credible, when in fact they are nothing more than elaborate cons.

Thursday, October 13th, 2011 is an online guide to foreclosure prevention and neighborhood stabilization developed and maintained by the Center for Housing Policy, the Local Initiatives Support Corporation (LISC), and the Urban Institute.

The site includes easily accessible information on a broad range of state and local policy solutions, as well as tools to create customized data reports and maps and participate in interactive online discussions.

We do not view as the definitive word on state and local housing responses to the mortgage foreclosure crisis, but rather as a framework for organizing the knowledge and experience of policymakers and practitioners from around the country.
Monday, May 2nd, 2011

[Editor's Note:  Homeowners Please Be Cautious About All 'For Profit' Loan Modification Tools]

Yorba Linda, CA, May 02, 2011 –(– New powerful tool to help save home from foreclosure was recently launched and introduced to homeowners who are in the process of obtaining a successful loan modification and other debt related issues to equip themselves before they present their applications to the lender.

The new tool, called REST report, evaluates borrower as to whether they pass or do not pass the Net Present Value (NPV) Test before they have gone through the long uncertain process of applying for help. Major banks and loan service providers uses

Wednesday, March 2nd, 2011

Use the steps below to use the SECINFO website.  Below are the steps to verify which Mortgage Pool contains your loan. Once you have done this you can find the PSA (Pooling and Service Agreement).

This example uses WAMU (Washington Mutual). 

Click on above link.  Click on Sign In and create a new account.   This is FREE so follow the steps and create your login and password.  You may only get thru a couple of screens before being asked to create your account so it is better to have your account when you start your search. Type WAMU in the Search box.

Sunday, November 14th, 2010
WELCOME TO OUR GROUP! Before you start you must understand a few simple principles:
We are NOT attorneys. Nothing you read here is to be construed as legal advice. PLEASE HIRE A COMPETANT FORECLOSURE DEFENSE ATTORNEY!

If you are having a hard time finding a competent attorney to help you please let us know and we can send you some lists of attorneys that have been recommended by others in the industry. We are simply here to share information we have uncovered and offer support as a collective group of defrauded WAMU homeowners.

One other understanding should be made ABSOLUTELY CLEAR:

Although we are entrenched in our personal battles with WAMU and CHASE, we do NOT advise anyone to stop making payments because of the information you learn from this site. No one advocates as such and you should only do so under consultation with your legal counsel.


***RULES FOR RECRUITING AND MAINTENANCE*** National WAMU Homeowners Support Group

- Strongly Suggested Rules of Recruitment & Engagement -
Thursday, November 11th, 2010

Tired of the lies, propaganda and constant useless rhetoric that you get fed each night by main street media?

Been hunting for that elusive HAMP or MHA Program that has been touted by Congress and the US Treasury yet you’re  still paying those endless trial periods in hopes that your lender is actually going to modify your loan to a payment that you can afford?

Have you pleaded, begged and offered your first born child to your Congressman, Senator or Attorney General for help in your battle with your lenders only to find that they are either not willing or too concerned with Healthcare Reform to respond or speak out on your behalf?

Monday, October 25th, 2010

Legalprise, a startup launched to track court records, has suddenly found its foreclosure data in hot demand as the nation's mortgage industry sorts out the robo-signing scandal.

Based in West Palm Beach, Fla., Legalprise is the brainchild of 28-year-old Jay Hollenkamp, a 2007 law school graduate with entrepreneurial drive and 44-year-old Michael Olenick, a former Silicon Valley computer programmer with a law degree.

The pair has created a searchable database of every foreclosure filing and every related docket entry for five states with plans to expand it to cover the 23 states where foreclosures are part of a judicial process. Ultimately, the company's goal is a nationwide, searchable repository of legal documents and public records.

Tuesday, October 19th, 2010

How to Find the Owner of Your Mortgage

posted by Katie Porter

Concerns continue about parties filing foreclosures when they do not own the note. Florida recently enacted a rules requiring plaintiffs in foreclosure to verify ownership of the note. (Here's a brief article on the rules, with the original subheading "Bankers Don't Like It"). While these concerns may be interesting for those of us who understand civil procedure, standing, and the importance of the rule of law, the practical problem looms for homeowners who want to know who owns their note. Particularly, in non-judicial foreclosure states or for those families who are not in foreclosure, they do not have the option to ask the judge to order the plaintiff (foreclosing lender) to prove ownership.