<div style="margin: 12px 0px; font-family: arial; color: #333333; background: #ffffff; border: solid 4px #e5e5e5; width: 100%; clear: left;"><div class="CM_CTB_Content_Wrap" style="margin: 0px; padding: 0px;background-color: #ffffff;"><div style="border-bottom: solid 1px #dcdcdc; white-space: nowrap; margin-bottom: 8px; background-color: #eeeeee ;background-image: url(http://clipmarks.com/images/source-bg.gif); background-repeat: repeat-x; height: 24px; line-height: 24px; vertical-align: middle; padding-bottom: 4px; color: #666666; font-size: 10px;" ><a href="http://clipmarks.com/clip-to-blog/" title="see clips that are hot right now"><img src="http://content.clipmarks.com/blog_embed/2cf8c041-a5b8-4a8d-87ff-f84b0786d930/4F2728C6-6D9D-4C52-9666-0767549E3961/" alt="" width="19" height="19" border="0" style="vertical-align: middle; margin: 0px 4px; display: inline; border: none; float:none;" /></a>clipped from <a title="http://en.joopita.com/article/?888-behind-the-numbers-in-the-occ-an.html" href="http://en.joopita.com/article/?888-behind-the-numbers-in-the-occ-an.html" style="font-size: 11px;">en.joopita.com</a></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://en.joopita.com/article/?888-behind-the-numbers-in-the-occ-an.html"><H1>Behind the Numbers in the OCC and OTS Mortgage Metrics Summary for First Quarter 2009</H1></blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://en.joopita.com/article/?888-behind-the-numbers-in-the-occ-an.html"><DIV>Feldman law Center - www.feldmanlawcenter.com - <A href="http://www.feldmanlawcenter.com" target="_blank">Loan Modification</A></DIV></blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://en.joopita.com/article/?888-behind-the-numbers-in-the-occ-an.html"><DIV>* On completed <A href="http://www.feldmanlawcenter.com" target="_blank">loan modifications</A>, 70.2 percent included a capitalization of missed payments and fees, 63.2 percent reduced the interest rate, and 25.1 included an extended maturity. </DIV></blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://en.joopita.com/article/?888-behind-the-numbers-in-the-occ-an.html"><DIV>The OCC/OTS report initiated coverage on <A href="http://www.feldmanlawcenter.com" target="_blank">loan modification</A> metrics. The report gave results on a total of 185,186 loans that were modified in the quarter: </DIV></blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://en.joopita.com/article/?888-behind-the-numbers-in-the-occ-an.html"><DIV>* Capitalization of delinquent interest, fees, and advances, combined with <A href="http://www.feldmanlawcenter.com" target="_blank">interest rate reductions</A> and extended maturities were the most common combinations. </DIV></blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://en.joopita.com/article/?888-behind-the-numbers-in-the-occ-an.html"><DIV>* Almost two thirds of modified loans employed combinations where at least two terms were modified to reduce the mortgage payment. </DIV></blockquote></div><div style="margin: 0px 6px 6px 4px;"><table style="font-size: 11px;border-spacing: 0px;padding: 0px;" cellpadding="0" cellspacing="0" width="100%"><tr><td style="background:transparent;border-width:0px;padding:0px;">&nbsp;</td><td align="right" style="background:transparent;border-width:0px;padding:0px;width:107px" width="107"><a href="http://clipmarks.com/share/4F2728C6-6D9D-4C52-9666-0767549E3961/blog/" title="blog or email this clip"><img src="http://content9.clipmarks.com/images/c2b-foot.png" border="0" alt="blog it" width="107" height="17" style="border-width:0px;padding:0px;margin:0px;" /></a></td></tr></table></div></div>

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