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Error Message: HAMP and HARP Struggle to Meet Goals

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4 62 This Month FROM OUR DESK . . . . . . . . . . . . . . . . . . . . . 2 DS JOURNAL Wells Fargo lawsuit alleges 'Retro- Signed' foreclosure documents, Employment cuts reflect changes in mortgage industry, Nonprime market sees new entrant, Distressed sales and investor purchases fall in February, and much more . . . . . . . . . . . . . . . . . . . . . . . . . 7 MOVERS & SHAKERS . . . . . . . . . . . . . . . .32 STATE OF AFFAIRS e State of Affairs section presents impactful local market information at your fingertips . . . . . . . . . . . . . . . . . . . . .75 COVER STORY ERROR MESSAGE In the wake of the crisis, the government presented programs designed to save American homeowners. With a lofty goal of saving more than 4 million homeowners, it's time to check in and see if the original message was received. By Scott Morgan . . . . . . . . . . . . . . . . . . . .52 INDUSTRY INSIGHT REORGANIZING PRIORITIES ALTA has a set of best practices that offer guidance for managing REOs. By Kenneth Kurel and Heather Moldovan . . . . . . . . . . . . . . . . .58 SPECIAL SECTION DECODING DEFAULT TECHNOLOGY DS News' annual guide profiles the industry's top-rated Default Technology providers . . . . . . . . . . . . . . . . . . . . . . . . . . .65 Contributors SCOTT MORGAN is a multi-award- winning journalist and editor based out of Texas. During his 11 years as a newspaper journalist, he wrote more than 4,000 published pieces. He's been recognized for his work since 2001, and his creative writing continues to win acclaim from readers and fellow writers alike. He is also a creative writing teacher and the author of several books, from short fiction to written works about writing. KENNETH KUREL AND HEATHER MOLDOVAN Co-authored by Trott & Trott Partner Kenneth Kurel and Attorneys Title Agency VP and REO Division Manager Heather Moldovan. Trott & Trott is a Michigan-based real estate law firm and Attorneys Title Agency is a full-service title insurance agency with more than 30 offices in Michigan, Ohio, and Indiana. Join the Conversation Do you have a suggestion, story idea, or feedback you'd like to share with DS News readers? Help shape our next issue and e-mail Editor@DSNews.com. 7 58 M A Y 2 0 1 4 C o n t e n t s D S N E W S . C O M 58 BY SCOTT MORGAN PAGE 52 HAMP AND HARP STRUGGLE TO MEET GOALS.

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