If so how did you prevent that in the future?

If you consider it a crime, how do you prevent them from benefitting financially from that crime?

Originally posted by Ted Akers: I was under the impression that GSE's (FNMA and Freddie) had to participate and that it is an opt-in program for the banks.First page, last paragraph: This Supplemental Directive provides guidance to servicers for adoption and implementation of HAFA for first lien mortgage loans that are not owned or guaranteed by Fannie Mae or Freddie Mac (Non-GSE Mortgages).

Israel stopped Hamas activists from running a blockade set up to prevent arms going into Gaza to be purposely used against civilians.

Do you also have some provision in your contract to prevent the buyer from asking for frivolous repairs?

That's the situation we were in and a simple solution to eliminate the race to the bottom AND the problem of adverse selection is to pass a law preventing insurance companies from denying someone based on a prre-existing condition.Insurance companies are actually quite happy with the rule that does not allow them to deny patients based on pre-existing conditions because it increases their revenues and profits.

If scraping is being done, you are to spray the areas with water prior to scraping to prevent dust buildup

Sounds like you now have a plan - next step is to implement it!

When the HVCC was implemented lenders contracted with appraisal coordinating and outsourcing firms.

Bryan, the solution is simple but implementing it is hard.