Foreclosure Survey
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With assistance and input from housing counselors and legal service offices who are on the front lines of trying to save people's homes, Ohio Fair Lending Coalition continues to push for change in public policy and industry practices related to mortgage modifications. In that regard, we appreciate you sharing your time, efforts, experience and opinions regarding this matter, as this is crucial to advancing the public debate on foreclosure prevention in a favorable direction and promoting greater public accountability.

We will share the results with you as well as any public policy changes that occur.

1. Bank of America: How common are the following issues with Bank of America/ Countrywide loan servicing?

	Always	Almost always	Sometimes	Rarely	Never
Dual Track (foreclosure continues during negotiation)	*Bank of America: How common are the following issues with Bank of America/ Countrywide loan servicing? Dual Track (foreclosure continues during negotiation) Always	Dual Track (foreclosure continues during negotiation) Almost always	Dual Track (foreclosure continues during negotiation) Sometimes	Dual Track (foreclosure continues during negotiation) Rarely	Dual Track (foreclosure continues during negotiation) Never
Loan mods offered are not sustainable	Loan mods offered are not sustainable Always	Loan mods offered are not sustainable Almost always	Loan mods offered are not sustainable Sometimes	Loan mods offered are not sustainable Rarely	Loan mods offered are not sustainable Never
Lost paperwork/documents	Lost paperwork/documents Always	Lost paperwork/documents Almost always	Lost paperwork/documents Sometimes	Lost paperwork/documents Rarely	Lost paperwork/documents Never
Mods fail to include principal reduction	Mods fail to include principal reduction Always	Mods fail to include principal reduction Almost always	Mods fail to include principal reduction Sometimes	Mods fail to include principal reduction Rarely	Mods fail to include principal reduction Never
Qualified borrowers denied loan mods	Qualified borrowers denied loan mods Always	Qualified borrowers denied loan mods Almost always	Qualified borrowers denied loan mods Sometimes	Qualified borrowers denied loan mods Rarely	Qualified borrowers denied loan mods Never
Short sales are difficult	Short sales are difficult Always	Short sales are difficult Almost always	Short sales are difficult Sometimes	Short sales are difficult Rarely	Short sales are difficult Never
Take too long to respond/decide	Take too long to respond/decide Always	Take too long to respond/decide Almost always	Take too long to respond/decide Sometimes	Take too long to respond/decide Rarely	Take too long to respond/decide Never

Other (please specify)

2. Citibank: How common are the following issues with Citibank loan servicing?

	Always	Almost Always	Sometimes	Rarely	Never
Dual Track (foreclosure continues during negotiation)	*Citibank: How common are the following issues with Citibank loan servicing? Dual Track (foreclosure continues during negotiation) Always	Dual Track (foreclosure continues during negotiation) Almost Always	Dual Track (foreclosure continues during negotiation) Sometimes	Dual Track (foreclosure continues during negotiation) Rarely	Dual Track (foreclosure continues during negotiation) Never
Loan mods offered are not sustainable	Loan mods offered are not sustainable Always	Loan mods offered are not sustainable Almost Always	Loan mods offered are not sustainable Sometimes	Loan mods offered are not sustainable Rarely	Loan mods offered are not sustainable Never
Lost paperwork/documents	Lost paperwork/documents Always	Lost paperwork/documents Almost Always	Lost paperwork/documents Sometimes	Lost paperwork/documents Rarely	Lost paperwork/documents Never
Mods fail to include principal reduction	Mods fail to include principal reduction Always	Mods fail to include principal reduction Almost Always	Mods fail to include principal reduction Sometimes	Mods fail to include principal reduction Rarely	Mods fail to include principal reduction Never
Qualified borrowers denied loan mods	Qualified borrowers denied loan mods Always	Qualified borrowers denied loan mods Almost Always	Qualified borrowers denied loan mods Sometimes	Qualified borrowers denied loan mods Rarely	Qualified borrowers denied loan mods Never
Short sales are difficult	Short sales are difficult Always	Short sales are difficult Almost Always	Short sales are difficult Sometimes	Short sales are difficult Rarely	Short sales are difficult Never
Take too long to respond/decide	Take too long to respond/decide Always	Take too long to respond/decide Almost Always	Take too long to respond/decide Sometimes	Take too long to respond/decide Rarely	Take too long to respond/decide Never

Other (please specify)

3. JPMorgan Chase: How common are the following issues with Chase/Washington Mutual loan servicing?

	Always	Almost Always	Sometimes	Rarely	Never
Dual Track (foreclosure continues during negotiation)	*JPMorgan Chase: How common are the following issues with Chase/Washington Mutual loan servicing? Dual Track (foreclosure continues during negotiation) Always	Dual Track (foreclosure continues during negotiation) Almost Always	Dual Track (foreclosure continues during negotiation) Sometimes	Dual Track (foreclosure continues during negotiation) Rarely	Dual Track (foreclosure continues during negotiation) Never
Loan mods offered are not sustainable	Loan mods offered are not sustainable Always	Loan mods offered are not sustainable Almost Always	Loan mods offered are not sustainable Sometimes	Loan mods offered are not sustainable Rarely	Loan mods offered are not sustainable Never
Lost paperwork/documents	Lost paperwork/documents Always	Lost paperwork/documents Almost Always	Lost paperwork/documents Sometimes	Lost paperwork/documents Rarely	Lost paperwork/documents Never
Mods fail to include principal reduction	Mods fail to include principal reduction Always	Mods fail to include principal reduction Almost Always	Mods fail to include principal reduction Sometimes	Mods fail to include principal reduction Rarely	Mods fail to include principal reduction Never
Qualified borrowers denied loan mods	Qualified borrowers denied loan mods Always	Qualified borrowers denied loan mods Almost Always	Qualified borrowers denied loan mods Sometimes	Qualified borrowers denied loan mods Rarely	Qualified borrowers denied loan mods Never
Short Sales are difficult	Short Sales are difficult Always	Short Sales are difficult Almost Always	Short Sales are difficult Sometimes	Short Sales are difficult Rarely	Short Sales are difficult Never
Take too long to respond/decide	Take too long to respond/decide Always	Take too long to respond/decide Almost Always	Take too long to respond/decide Sometimes	Take too long to respond/decide Rarely	Take too long to respond/decide Never

Other (please specify)

4. Wells Fargo: How common are the following issues with Wells Fargo/America's Servicing Company/World Saving/Wachovia loan servicing?

	Always	Almost always	Sometimes	Rarely	Never
Dual Track (foreclosure continues during negotiation)	*Wells Fargo: How common are the following issues with Wells Fargo/America's Servicing Company/World Saving/Wachovia loan servicing? Dual Track (foreclosure continues during negotiation) Always	Dual Track (foreclosure continues during negotiation) Almost always	Dual Track (foreclosure continues during negotiation) Sometimes	Dual Track (foreclosure continues during negotiation) Rarely	Dual Track (foreclosure continues during negotiation) Never
Loan mods offered are not sustainable	Loan mods offered are not sustainable Always	Loan mods offered are not sustainable Almost always	Loan mods offered are not sustainable Sometimes	Loan mods offered are not sustainable Rarely	Loan mods offered are not sustainable Never
Lost paperwork/documents	Lost paperwork/documents Always	Lost paperwork/documents Almost always	Lost paperwork/documents Sometimes	Lost paperwork/documents Rarely	Lost paperwork/documents Never
Mods fail to include the principal reduction	Mods fail to include the principal reduction Always	Mods fail to include the principal reduction Almost always	Mods fail to include the principal reduction Sometimes	Mods fail to include the principal reduction Rarely	Mods fail to include the principal reduction Never
Qualified borrowers denied loan mods	Qualified borrowers denied loan mods Always	Qualified borrowers denied loan mods Almost always	Qualified borrowers denied loan mods Sometimes	Qualified borrowers denied loan mods Rarely	Qualified borrowers denied loan mods Never
Short Sales are difficult	Short Sales are difficult Always	Short Sales are difficult Almost always	Short Sales are difficult Sometimes	Short Sales are difficult Rarely	Short Sales are difficult Never
Take too long to respond/decide	Take too long to respond/decide Always	Take too long to respond/decide Almost always	Take too long to respond/decide Sometimes	Take too long to respond/decide Rarely	Take too long to respond/decide Never

Other (please specify)

5. GSEs: How common are the following issues on Fannie Mae and Freddie Mac loans?

	Always	Almost always	Sometimes	Rarely	Never
Dual Track (foreclosure continues during negotiation)	*GSEs: How common are the following issues on Fannie Mae and Freddie Mac loans? Dual Track (foreclosure continues during negotiation) Always	Dual Track (foreclosure continues during negotiation) Almost always	Dual Track (foreclosure continues during negotiation) Sometimes	Dual Track (foreclosure continues during negotiation) Rarely	Dual Track (foreclosure continues during negotiation) Never
Loan mods offered are not sustainable	Loan mods offered are not sustainable Always	Loan mods offered are not sustainable Almost always	Loan mods offered are not sustainable Sometimes	Loan mods offered are not sustainable Rarely	Loan mods offered are not sustainable Never
Lost paperwork/documents	Lost paperwork/documents Always	Lost paperwork/documents Almost always	Lost paperwork/documents Sometimes	Lost paperwork/documents Rarely	Lost paperwork/documents Never
Mods fail to include principal reduction	Mods fail to include principal reduction Always	Mods fail to include principal reduction Almost always	Mods fail to include principal reduction Sometimes	Mods fail to include principal reduction Rarely	Mods fail to include principal reduction Never
Qualified borrowers denied loan mods	Qualified borrowers denied loan mods Always	Qualified borrowers denied loan mods Almost always	Qualified borrowers denied loan mods Sometimes	Qualified borrowers denied loan mods Rarely	Qualified borrowers denied loan mods Never
Short sales are difficult	Short sales are difficult Always	Short sales are difficult Almost always	Short sales are difficult Sometimes	Short sales are difficult Rarely	Short sales are difficult Never
Take too long to respond/decide	Take too long to respond/decide Always	Take too long to respond/decide Almost always	Take too long to respond/decide Sometimes	Take too long to respond/decide Rarely	Take too long to respond/decide Never

Other (please specify)

6. With regard to how likely they are to help borrowers save their homes (in situations in which doing so is possible), how would you rate the following servicers?

	Terrible	Bad	Good	Great	N/A
Chase	*With regard to how likely they are to help borrowers save their homes (in situations in which doing so is possible), how would you rate the following servicers? Chase Terrible	Chase Bad	Chase Good	Chase Great	Chase N/A
Wells Fargo	Wells Fargo Terrible	Wells Fargo Bad	Wells Fargo Good	Wells Fargo Great	Wells Fargo N/A
Bank of America	Bank of America Terrible	Bank of America Bad	Bank of America Good	Bank of America Great	Bank of America N/A
Citibank	Citibank Terrible	Citibank Bad	Citibank Good	Citibank Great	Citibank N/A
US Bank	US Bank Terrible	US Bank Bad	US Bank Good	US Bank Great	US Bank N/A
HSBC	HSBC Terrible	HSBC Bad	HSBC Good	HSBC Great	HSBC N/A
Huntington	Huntington Terrible	Huntington Bad	Huntington Good	Huntington Great	Huntington N/A
Fifth Third	Fifth Third Terrible	Fifth Third Bad	Fifth Third Good	Fifth Third Great	Fifth Third N/A
GMAC	GMAC Terrible	GMAC Bad	GMAC Good	GMAC Great	GMAC N/A
Third Federal	Third Federal Terrible	Third Federal Bad	Third Federal Good	Third Federal Great	Third Federal N/A
PNC	PNC Terrible	PNC Bad	PNC Good	PNC Great	PNC N/A

Other (please specify)

7. Outcomes: How common are the following outcomes for your clients?

	Always	Almost Always	Sometimes	Rarely	Never
Denied HAMP mod	*Outcomes: How common are the following outcomes for your clients? Denied HAMP mod Always	Denied HAMP mod Almost Always	Denied HAMP mod Sometimes	Denied HAMP mod Rarely	Denied HAMP mod Never
Denied non-HAMP mod	Denied non-HAMP mod Always	Denied non-HAMP mod Almost Always	Denied non-HAMP mod Sometimes	Denied non-HAMP mod Rarely	Denied non-HAMP mod Never
Stuck in trial mod	Stuck in trial mod Always	Stuck in trial mod Almost Always	Stuck in trial mod Sometimes	Stuck in trial mod Rarely	Stuck in trial mod Never
Got Permanent HAMP mod	Got Permanent HAMP mod Always	Got Permanent HAMP mod Almost Always	Got Permanent HAMP mod Sometimes	Got Permanent HAMP mod Rarely	Got Permanent HAMP mod Never
Got Permanent non-HAMP mod	Got Permanent non-HAMP mod Always	Got Permanent non-HAMP mod Almost Always	Got Permanent non-HAMP mod Sometimes	Got Permanent non-HAMP mod Rarely	Got Permanent non-HAMP mod Never
FHA Short Refi loan	FHA Short Refi loan Always	FHA Short Refi loan Almost Always	FHA Short Refi loan Sometimes	FHA Short Refi loan Rarely	FHA Short Refi loan Never
Forbearance	Forbearance Always	Forbearance Almost Always	Forbearance Sometimes	Forbearance Rarely	Forbearance Never
Short Sale	Short Sale Always	Short Sale Almost Always	Short Sale Sometimes	Short Sale Rarely	Short Sale Never
Deed in lieu	Deed in lieu Always	Deed in lieu Almost Always	Deed in lieu Sometimes	Deed in lieu Rarely	Deed in lieu Never
Bankruptcy	Bankruptcy Always	Bankruptcy Almost Always	Bankruptcy Sometimes	Bankruptcy Rarely	Bankruptcy Never
Foreclosure	Foreclosure Always	Foreclosure Almost Always	Foreclosure Sometimes	Foreclosure Rarely	Foreclosure Never
Other	Other Always	Other Almost Always	Other Sometimes	Other Rarely	Other Never

Other (please specify)

8. In your opinion, is the Federal HAMP loan modification program working? If not,why not?

In your opinion, is the Federal HAMP loan modification program working? If not,why not? Yes	No	Maybe
Please specify

9. Dual Track: Have any of your clients in recent months had their homes sold while they were discussing/negotiating a loan mod, short sale, deed in lieu, or making payments under a trial mod plan? If so, how often, and which servicers?

	Often	Sometimes	Never
Foreclosure continued during negotiations	*Dual Track: Have any of your clients in recent months had their homes sold while they were discussing/negotiating a loan mod, short sale, deed in lieu, or making payments under a trial mod plan? If so, how often, and which servicers? Foreclosure continued during negotiations Often	Foreclosure continued during negotiations Sometimes	Foreclosure continued during negotiations Never
Home was sold despite negotiations	Home was sold despite negotiations Often	Home was sold despite negotiations Sometimes	Home was sold despite negotiations Never

Please specify

10. Fair treatment: Do you think borrowers of color are experiencing worse outcomes when trying to avoid foreclosure than white borrowers? If so, why?

Fair treatment: Do you think borrowers of color are experiencing worse outcomes when trying to avoid foreclosure than white borrowers? If so, why? Often	Sometimes	No
Please specify

11. In your opinion, how have the Hardest Hit Fund (Save the Dream Ohio) programs been working to achieve their stated goals? What about your experience causes you to assess the programs in this manner?

	Not at all	Inadequately	Satisfactorily	Successfully, better than expected	N/A; unfamiliar
Rescue Payment Assistance	*In your opinion, how have the Hardest Hit Fund (Save the Dream Ohio) programs been working to achieve their stated goals? What about your experience causes you to assess the programs in this manner? Rescue Payment Assistance Not at all	Rescue Payment Assistance Inadequately	Rescue Payment Assistance Satisfactorily	Rescue Payment Assistance Successfully, better than expected	Rescue Payment Assistance N/A; unfamiliar
Partial Mortgage Payment Assistance	Partial Mortgage Payment Assistance Not at all	Partial Mortgage Payment Assistance Inadequately	Partial Mortgage Payment Assistance Satisfactorily	Partial Mortgage Payment Assistance Successfully, better than expected	Partial Mortgage Payment Assistance N/A; unfamiliar
Modification Assistance with Principal Reduction	Modification Assistance with Principal Reduction Not at all	Modification Assistance with Principal Reduction Inadequately	Modification Assistance with Principal Reduction Satisfactorily	Modification Assistance with Principal Reduction Successfully, better than expected	Modification Assistance with Principal Reduction N/A; unfamiliar
Transitional Assistance	Transitional Assistance Not at all	Transitional Assistance Inadequately	Transitional Assistance Satisfactorily	Transitional Assistance Successfully, better than expected	Transitional Assistance N/A; unfamiliar

Please elaborate.

12. HAMP v. non-HAMP: Do you think consumers are being encouraged to take non-HAMP, proprietary modifications when they might qualify for HAMP loan modifications? If so, how frequently does this occur and why do you suppose it is happening?

HAMP v. non-HAMP: Do you think consumers are being encouraged to take non-HAMP, proprietary modifications when they might qualify for HAMP loan modifications? If so, how frequently does this occur and why do you suppose it is happening? Yes, often.

Yes, sometimes.

No, hardly ever/never.

Please elaborate.

13. Please indicate the number of modifications/loan workouts that you have ATTEMPTED to obtain for your clients in the last 12 months with each of the following lenders/servicers, if any. If you have attempted modifications with a lender/servicer that is not listed, please identify with which lender(s)/servicer(s) you have worked in the comment box along with any other relevant details/comments.

	Number Attempted (if any)	Number closed (total)	Number closed - successfully modified	Number closed - did not obtain modification	Number open/pending
Chase	Please indicate the number of modifications/loan workouts that you have ATTEMPTED to obtain for your clients in the last 12 months with each of the following lenders/servicers, if any. If you have attempted modifications with a lender/servicer that is not listed, please identify with which lender(s)/servicer(s) you have worked in the comment box along with any other relevant details/comments. Chase Number Attempted (if any)	Number closed (total)	Number closed - successfully modified	Number closed - did not obtain modification	Number open/pending
Wells Fargo	Wells Fargo Number Attempted (if any)	Number closed (total)	Number closed - successfully modified	Number closed - did not obtain modification	Number open/pending
Bank of America	Bank of America Number Attempted (if any)	Number closed (total)	Number closed - successfully modified	Number closed - did not obtain modification	Number open/pending
Citibank	Citibank Number Attempted (if any)	Number closed (total)	Number closed - successfully modified	Number closed - did not obtain modification	Number open/pending
US Bank	US Bank Number Attempted (if any)	Number closed (total)	Number closed - successfully modified	Number closed - did not obtain modification	Number open/pending
HSBC	HSBC Number Attempted (if any)	Number closed (total)	Number closed - successfully modified	Number closed - did not obtain modification	Number open/pending
Huntington	Huntington Number Attempted (if any)	Number closed (total)	Number closed - successfully modified	Number closed - did not obtain modification	Number open/pending
Fifth Third	Fifth Third Number Attempted (if any)	Number closed (total)	Number closed - successfully modified	Number closed - did not obtain modification	Number open/pending
GMAC	GMAC Number Attempted (if any)	Number closed (total)	Number closed - successfully modified	Number closed - did not obtain modification	Number open/pending
Third Federal	Third Federal Number Attempted (if any)	Number closed (total)	Number closed - successfully modified	Number closed - did not obtain modification	Number open/pending
PNC	PNC Number Attempted (if any)	Number closed (total)	Number closed - successfully modified	Number closed - did not obtain modification	Number open/pending
Other lender/servicer	Other lender/servicer Number Attempted (if any)	Number closed (total)	Number closed - successfully modified	Number closed - did not obtain modification	Number open/pending

Other (please specify)

14. In your opinion, which loan servicer is the most difficult to work with and why?

In your opinion, which loan servicer is the most difficult to work with and why?

15. Please provide your contact info. We do not plan to divulge this information without your consent. All survey results will be aggregated without attribution unless you authorize otherwise.

Please provide your contact info. We do not plan to divulge this information without your consent. All survey results will be aggregated without attribution unless you authorize otherwise. Name:
Organization/Agency:
Service Area:
Phone:
Email:
Number of clients/cases that have come to your organization over past month:
Is your office's caseload increasing?:
Would you be interested in and/or willing to participate in other projects/advocacy related to these issues (loan modification program reform, foreclosure rescue scams, discrimination in lending, etc.)?:

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1. Bank of America: How common are the following issues with Bank of America/ Countrywide loan servicing?

2. Citibank: How common are the following issues with Citibank loan servicing?

3. JPMorgan Chase: How common are the following issues with Chase/Washington Mutual loan servicing?

4. Wells Fargo: How common are the following issues with Wells Fargo/America's Servicing Company/World Saving/Wachovia loan servicing?

5. GSEs: How common are the following issues on Fannie Mae and Freddie Mac loans?

6. With regard to how likely they are to help borrowers save their homes (in situations in which doing so is possible), how would you rate the following servicers?

7. Outcomes: How common are the following outcomes for your clients?

8. In your opinion, is the Federal HAMP loan modification program working? If not,why not?

9. Dual Track: Have any of your clients in recent months had their homes sold while they were discussing/negotiating a loan mod, short sale, deed in lieu, or making payments under a trial mod plan? If so, how often, and which servicers?

10. Fair treatment: Do you think borrowers of color are experiencing worse outcomes when trying to avoid foreclosure than white borrowers? If so, why?

11. In your opinion, how have the Hardest Hit Fund (Save the Dream Ohio) programs been working to achieve their stated goals? What about your experience causes you to assess the programs in this manner?

12. HAMP v. non-HAMP: Do you think consumers are being encouraged to take non-HAMP, proprietary modifications when they might qualify for HAMP loan modifications? If so, how frequently does this occur and why do you suppose it is happening?

14. In your opinion, which loan servicer is the most difficult to work with and why?

15. Please provide your contact info. We do not plan to divulge this information without your consent. All survey results will be aggregated without attribution unless you authorize otherwise.

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