Mortgage Assistance Relief Services Disclosure

Due to the number of advance fee frauds and firms taking advantage of home owners in distress by charging up-front fees, the FTC released its Mortgage Assistance Relief Services Rule (MARS), effective 1/31/2011.

Companies and Service Providers who assist Home Owners in obtaining Mortgage Relief, such as loan modifications or short sales, are required to make the following disclosure:

You may stop doing business with us at any time. You may accept or reject the offer of mortgage assistance (i.e. short sale approval) that is obtained from your lender or servicer. If you reject the offer, you do not have to pay us. If you accept the offer, you will have to pay us our agreed upon fees - which in actuality will be paid by the lender at closing.

Neither Lori Bender nor Independent Broker’s Realty is associated with the government, and our service is not approved by the government or your lender. Even if you accept our offer to assist you with your short sale and use our services, your lender may not agree to change your loan or approve your short sale. If you stop paying your mortgage, you could lose your home and damage your credit rating.