The Homeowner Defense Network (HDN) is an impartial third-party provider of analytics associated with the Loan Disposition Analysis Report (“Report”). The HDN is not responsible for any of the following :

  • Consultative or legal advice or services which might be offered or rendered in conjunction with the information contained in the Reports.
  • Individual loan/mortgage outcomes, positive or negative.
  • Claims or actions recommended to, or taken by, a homeowner, attorney, consultant or servicer.

Please note that ultimately, it’s up to your lender to approve and set the terms of your loan workout option, which is based on the information that you provide. You have to package the request for a loan workout appropriately and follow up as needed, which is your responsibility.

Your supporting documentation also needs to be consistent with the information you submitted for analysis, otherwise you may not get approved.

The Report is for informational purposes only. The findings generated by the Report are not evidence of, nor are they determinative of, a guarantee of participation in any Federal, state, local, Fannie Mae, Freddie Mac or other mortgage loan modification program. Some investors/servicers may not be willing to consider any/all of the proposed options and/or terms presented in the Reports.

The HDN is not a loan modification company, law firm, a foreclosure consultant, or attorney referral service. This website’s content is intended exclusively for general informational purposes, and shall in no way be interpreted as legal advice.

It is prudent and our recommendation to always seek advice from an attorney or tax professional with any questions you have regarding your Reports findings, property, financing, tax liability and/or foreclosure.

If you stop paying your mortgage, you could lose your home and damage your credit rating.