Topic
Mortgage Loans
896 published works
Consumer Finance Monitor
OCC Doubles Down on Its Challenge to States’ Lawsuit Over Interest-on-Mortgage Escrow Rules, Urging Dismissal or Transfer to D.C.
The Office of the Comptroller of the Currency (OCC) has filed on November 2,2026 its reply brief in support of its motion to dismiss, or alternatively transfer to the District…
New Jersey Foreclosure Defense Blog
VA Partial Claims and Foreclosure in New Jersey: The 2026 Loss-Mitigation Waterfall
By John Fazzio
Short answer: A New Jersey homeowner with a VA-guaranteed mortgage may now be evaluated under a mandatory VA loss-mitigation sequence that includes a new VA Partial Claim option. The program…
New Jersey Foreclosure Defense Blog
FHA Mortgage Contact Before Foreclosure in New Jersey: The Updated Meeting Rule
By John Fazzio
Short answer: For most FHA-insured forward mortgages, HUD’s current rule generally requires the mortgagee to conduct a meeting with the borrower—or make the required reasonable effort to arrange one—before three…
Consumer Finance Monitor
State AGs Oppose OCC’s Bid to Pause Challenge to Rules Preempting State Mortgage Interest-on-Escrow Laws
The ten states challenging the Office of the Comptroller of the Currency’s (OCC) new interest-on-escrow rules are urging a federal district court to reject the agency’s attempt to delay judicial…
Law Firm Carolinas Blog
New Condominium Lending Rules for 2027: What Owners and Boards Should Know
Condominium owners already face rising insurance costs, maintenance expenses, and association assessments, as discussed in our earlier article, Why Are HOA and Condo Assessments Going Up?. Now, new condominium lending…
Consumer Finance Monitor
Another Housing Cost Executive Order
By Richard J. Andreano, Jr., John L. Culhane, Jr.
Recently President Trump issued another Executive Order addressing housing costs, along with a related fact sheet. The Executive Order, entitled Decreasing Housing Costs for the American People, addresses: The cancellation…
Consumer Finance Monitor
States Oppose OCC Bid to Dismiss Mortgage Interest-on-Escrow Lawsuit Challenging New OCC Regulations
Oregon and nine other states argue that the OCC unlawfully preempted state interest-on-escrow laws, that Oregon is a proper venue, and that their challenge to the agency’s authority should proceed.…
New Jersey Foreclosure Defense Blog
Commercial Mortgage Default Interest and Late Charges in New Jersey: What to Check
By John Fazzio
Illustrative photograph by Aaron Lefler on Unsplash. The pictured notes are not a client loan statement. Short answer: Default interest and late fees on a New Jersey commercial mortgage are…
New Jersey Foreclosure Defense Blog
Mortgage Paid Off in New Jersey? Check Your Escrow Refund and Recorded Cancellation
By John Fazzio
Illustrative photograph by Jakub Żerdzicki on Unsplash. The miniature houses are not client properties. Short answer: After paying off a New Jersey mortgage, check two separate results: what happened to…
New Jersey Foreclosure Defense Blog
HELOC Draw Period Ending in New Jersey: Repayment Terms and Your Next Steps
By John Fazzio
Featured image: A home-equity line’s borrowing period and repayment terms should be reviewed separately. Illustrative photograph by Jakub Żerdzicki on Unsplash. Short answer: When a HELOC’s draw period ends, the…