Actual foreclosure fraud robbery happened the moment there were CHANGES IN TERMS implemented on ANY HOMEOWNER's Mortgage agreement without the homeowners expressed, written, consent.
Change in Terms without the expressed, written, consent of the homeowner CANNOT be pre-written into a mortgage agreement for OBVIOUS REASONS.
If a mortgage contract can be unilaterally changed by one side only, then the changing side can pretty much do whatever they wanted, at any time!
Unilateral changing of terms would mean the end of property rights as we know it!
When we hear that the "investor" does not approve HAMP for a homeowner, this could mean that a unilateral Change in Terms has been used to allow an after the fact entity (the investor) to determine the fate of a homeowners right to find the best deal for their mortgage.