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Larry Lermusiaux /
I had the pleasure of participating in the Mediation Workshop offered through the PON in 2009. I am presently serving as a mediator for the the State of Nevada's Foreclosure Mediation Program. Nevada has been regarded as ground zero for both general real estate collapse as well as foreclosures. While not true mediation s, since participation is compulsory for the lender, the process has been instructional on a number of levels. In general, levels of communication are quite restricted, with a multitude of agendas which quite frankly lender's counsel (at the table)are seldom apprised of. The lender's "waterfall" analysis of portfolio-ed properties, considered proprietary, is very skewered, investor tranch-by-investor tranch. Further, many of these investors have signed "pooling agreements" with file servicing representatives who may indeed benefit financially in ways,separate and substantial, from the investor's position. COMPLEX INDEED!