Loan Modification

When problems in the foreclosure process caused banks to temporarily freeze foreclosures last fall, the focus was on improperly signed foreclosure affidavits?legal documents used when foreclosure are required to go through courts.

But as we?ve noted, most states are ?non-judicial? states, meaning foreclosures can proceed without a court order. And turns out, those states?where the process lacks judicial supervision and homeowners have less recourse to fight back?also seem to have problems with banks using robo-signers and taking other foreclosure shortcuts, American Banker reports.