Criminal Trespass By Banks & Time To Refi

In a ruling this month, the Washington Supreme Court found that action illegal — a decision that clears the way for a federal class-action case that Jordan brought on behalf of at least 3,600 borrowers in the state, and one that could have broad ramifications on how some lenders respond when homeowners miss payments.

“This is criminal trespass and theft, and it should be treated as such,” said Sheila O’Sullivan, executive director of the Northwest Consumer Law Center. “There’s no basis for them to walk in and change the locks on a person’s home until they have foreclosed. It’s an important ruling.”

Washington state invalidates common mortgage provision – AP

Ruling: Lender cannot suddenly change your locks if you miss mortgage payments – Seattle Times

Real estate photographers lose copyright suit against CoreLogic – Inman

It’s Time to Think About Refinancing Your Mortgage (Again) – NY Times