As you don't have listed where you are - and you did not state what kind of foundation it is - we have no idea if it is a slab or a basement foundation, no idea how old the foundation is, what construction materials, what construction quality, completely in-ground versus walk-out (if not a slab), what was the cause of the explosion, how bad was the explosion (did it vaporize the house or just start a fire that necessitated razing the house... and on, and on....Even if the county approves re-using the existing foundation, I would not rely on the county inspector - after all, they just inspect things to code - the DO NOT inspect things as would a structural engineer.

I am selling modifications and have deal flow of people who don't qualify.

We're not doing any modifications, workouts, deferrals or anything like that.

To add insult to injury, the additional provisions allowing the modification of mortgages purchased in an effort to assist distressed homeowners in avoiding foreclosure could have been the most effective path towards stabilizing the housing industry, but were only referenced in less than 5% of the entire proposal.Stabilizing housing prices is widely accepted by most economists as the best way to solve the lingering recession and potential depression.

Typically, they now see themselves as the aggrieved party - 'what's the big deal' was the response we received regarding the modifications!

In a loan modification scam, a forensic attorney or CPA, agrees to review mortgage loan documents in exchange for a fee.

A low income borrower that obtains a municipal loan or from a non-profit for modifications for ADA access or a sewer line, where debt may be forgiven over time as that gives the lender the ability to require a longer occupancy requirement in consideration of the unique terms.FYI incase someone thinks they can make a standard type loan and require an owner to live there forever, that restrains owner's rights in title, the ability of the full use of the property.

., the 12-month occupancy requirement for a Primary Residence), and- The Servicer notifies the original owner or natural person that the Mortgaged Premises transferred to an LLC/LP must be transferred back to the original owner or natural person prior to any subsequent refinance or modification application to meet Freddie Mac’s underwriting requirements- The Servicer has complied with all mortgage insurance requirements applicable to the transferSource: https://guide.freddiemac.com/app/guide/section/8406.4 

The due on sale is under the note, but sence you have no interest rate risk as a lender, I suggest you add that you have a due on sale without written consent and modification of the note and deed of trust and that consent may be denied at the sole option of the holder.This stems from the fact that a seller financed note is not the same as a cash advanced note, it is an extension of the sale transaction for the payment of equity based on an agreed sale price.

If not send her to NACA and have them help her force a loan modification, she should qualify,