{"id":6985,"date":"2009-09-23T12:33:00","date_gmt":"2009-09-23T16:33:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/merkley-pushes-obama-administration-to-streamline-foreclosure-assistance-provide-report-on-tarp-funds-used-for-mortgage-modification\/"},"modified":"2023-07-24T11:11:35","modified_gmt":"2023-07-24T15:11:35","slug":"merkley-pushes-obama-administration-to-streamline-foreclosure-assistance-provide-report-on-tarp-funds-used-for-mortgage-modification","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/merkley-pushes-obama-administration-to-streamline-foreclosure-assistance-provide-report-on-tarp-funds-used-for-mortgage-modification\/","title":{"rendered":"Merkley presiona a la administraci\u00f3n Obama para que agilice la asistencia en ejecuciones hipotecarias y proporcione un informe sobre los fondos TARP utilizados para la modificaci\u00f3n de hipotecas"},"content":{"rendered":"<p><strong>Washington DC -&nbsp;<\/strong>El senador de Oreg\u00f3n, Jeff Merkley, inst\u00f3 el mi\u00e9rcoles al secretario del Tesoro, Timothy Geithner, y al secretario de Vivienda y Desarrollo Urbano, Shaun Donovan, a implementar varias mejoras al Programa de Modificaci\u00f3n de Vivienda Asequible (HAMP, por sus siglas en ingl\u00e9s) para que las modificaciones hipotecarias sean m\u00e1s simples y r\u00e1pidas para prestatarios y asesores. &nbsp;<\/p>\n<blockquote>\n<p>&nbsp;\u201cHemos hecho mucho para ayudar a Wall Street a recuperarse, pero muy poco para ayudar a las familias trabajadoras a conservar sus hogares. Existe un amplio consenso en que necesitamos hacer m\u00e1s, por lo que es extremadamente frustrante ver que las solicitudes de ejecuci\u00f3n hipotecaria siguen superando a las modificaciones de pr\u00e9stamos\u201d, dijo Merkley. \u201cSigo creyendo que el Programa de Modificaci\u00f3n de Vivienda Asequible tiene el potencial de ayudar a los propietarios de viviendas con problemas, pero en este momento no est\u00e1 haciendo el trabajo. Necesitamos simplificar el proceso de modificaci\u00f3n de pr\u00e9stamos y asegurarnos de que los fondos TARP asignados para la modificaci\u00f3n de pr\u00e9stamos sirvan a ese prop\u00f3sito\u201d.<\/p>\n<\/blockquote>\n<p>Durante varias reuniones este verano con prestamistas, administradores de pr\u00e9stamos, asesores certificados por HUD y abogados que representan a propietarios de viviendas, as\u00ed como representantes de HUD, Fannie Mae y Freddie Mac, Merkley recibi\u00f3 recomendaciones para mejorar el complejo trabajo de modificar hipotecas de viviendas.<\/p>\n<p>Merkley comparti\u00f3 las sugerencias m\u00e1s urgentes para acelerar y simplificar el proceso en una carta enviada el mi\u00e9rcoles al secretario Geithner y al secretario Donovan:&nbsp;<\/p>\n<ol>\n<li>Env\u00edo electr\u00f3nico: Se debe exigir a los administradores que creen un portal \u00fanico para presentar documentos en un formato electr\u00f3nico al que puedan acceder todas las partes de una gran organizaci\u00f3n de administradores de pr\u00e9stamos.<\/li>\n<li>Punto de contacto \u00fanico: se debe exigir a cada administrador de pr\u00e9stamos que asigne un \u00fanico punto de contacto para un prestatario determinado, de modo que los prestatarios y sus asesores no sean remitidos a un agente de modificaci\u00f3n diferente cada vez que llamen.&nbsp;<\/li>\n<li>Mayor transparencia: para ayudar a los prestatarios y asesores a saber d\u00f3nde se encuentran en el proceso de modificaci\u00f3n, se debe exigir a los administradores que establezcan un mecanismo de correcci\u00f3n y apelaci\u00f3n de errores, y se debe proporcionar a los asesores contactos de escalada para cada administrador de pr\u00e9stamos. Esto ayudar\u00e1 a identificar d\u00f3nde se producen los problemas y acelerar su correcci\u00f3n. Si se deniega una modificaci\u00f3n, se debe proporcionar informaci\u00f3n indicando el motivo.<\/li>\n<li>Consejeros certificados por HUD: Los consejeros desempe\u00f1an un papel fundamental en el proceso de modificaci\u00f3n y deben recibir un apoyo mucho mayor. Se debe exigir a los administradores de pr\u00e9stamos que compartan una gama m\u00e1s amplia de informaci\u00f3n con asesores certificados por HUD para quienes el prestatario haya firmado una autorizaci\u00f3n de divulgaci\u00f3n de informaci\u00f3n.<\/li>\n<li>Calificaciones crediticias: Tambi\u00e9n debemos asegurarnos de que los programas de modificaci\u00f3n de hipotecas no perjudiquen innecesariamente la calificaci\u00f3n crediticia del prestatario durante el per\u00edodo de modificaci\u00f3n de prueba. HAMP necesita urgentemente una definici\u00f3n \u00fanica y autorizada de \u201cincumplimiento inminente\u201d para que los prestatarios puedan recibir asistencia antes de que da\u00f1en sus calificaciones crediticias.&nbsp;<\/li>\n<\/ol>\n<p>En una carta separada enviada al Secretario Geithner, Merkley tambi\u00e9n presion\u00f3 para que se liberaran las obligaciones totales reales y esperadas de los fondos TARP para modificaciones de pr\u00e9stamos ofrecidas a trav\u00e9s de HAMP a partir del 1 de septiembre de 2009, as\u00ed como proyecciones mensuales de estos gastos para los pr\u00f3ximos seis meses. Si bien la Administraci\u00f3n se comprometi\u00f3 a utilizar $75 mil millones en modificaciones directas, no est\u00e1 claro cu\u00e1nto se ha destinado realmente a ese prop\u00f3sito.<\/p>\n<blockquote>\n<p>\u201cApoy\u00e9 la segunda liberaci\u00f3n de fondos TARP con la promesa de que entre $50 y 100 mil millones se destinar\u00edan a ayudar a las familias a conservar sus hogares. Seis meses despu\u00e9s del anuncio del programa del Tesoro, todav\u00eda no tenemos informaci\u00f3n precisa sobre cu\u00e1nto se ha comprometido. Esta informaci\u00f3n debe proporcionarse de inmediato para que el Congreso y el p\u00fablico estadounidense comprendan mejor los esfuerzos de la Administraci\u00f3n para ayudar a los propietarios de viviendas\u201d, dijo Merkley.&nbsp;<\/p>\n<\/blockquote>","protected":false},"excerpt":{"rendered":"<p>Washington, DC &ndash;&nbsp;Oregon&rsquo;s Senator Jeff Merkley urged Treasury Secretary Timothy Geithner and Housing and Urban Development Secretary Shaun Donovan Wednesday to implement several improvements to the Home Affordable Modification Program (HAMP) to make mortgage modifications simpler and speedier for borrowers and counselors. &nbsp; &nbsp;&ldquo;We&rsquo;ve done a lot to help Wall Street back on its feet, [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[24],"tags":[44,47],"class_list":["post-6985","post","type-post","status-publish","format-standard","hentry","category-press-releases","tag-jobs-and-the-economy","tag-protecting-consumers-taxpayers-and-the-economy"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - 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