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Business, Litigation Employment and Real Estate Attorney and Lawyer in Newport Beach, Aliso Viejo and Orange, California - Orange County, California, with law offices to serve all Southern California Cities, including: Irvine, Santa Ana, Newport Beach, Costa Mesa, Orange, Huntington Beach, Anaheim, Fullerton, Mission Viejo, Laguna Hills, Laguna Niguel, Lake Forest, Orange, Long Beach, Riverside, Corona, Riverside, San Diego, Los Angeles, Los Feliz, Hollywood, Encino, Brentwood, Beverly Hills, Santa Monica, Northern California, and all of California.

eNewsletter: Homeowner Rights re HAMP NPV eLetter
HAMP MOD NPV newsletter

Free Initial Case Consultation for Southern California Residents: email your question and contact information to:
1-877-946-4968 or Email

In the News:

Ca Attorney Richard Rydstrom In the New:

West Appeal Wins HAMP Wigod Rights to Sue in OC; Demurrer Opposition Complaint and Appeal Brief by Attorney Rich Rydstrom

2013 News Article: New California Bill of Rights may Trigger Homeowner Lawsuits with Statutory Damages of
$50,000 or Treble Actual Damages! Ca New Bill of Rights $50,000 Damages Article Attorney  Richard Rydstom

9-2012 CA State Court HAMP Negligence: Attorney Rich Rydstrom upholds borrowers right to sue for HAMP NEGLIGENCE PER SE against CITIMortgage and KASIER Federal Bank in State Court per Wigod 2012, In Re BOA, Ansanelli, Allen, Bosque, Durmic, Turbeville, etc. and in another state court case per Biakanja and Ansanelli. See Below

Sept 2012 CA Attorney Rich Rydstrom upholds FAC against Citi and Kaiser for Fraud-Mods, Misrep., Wrongful Foreclosure (and CR Title), Unfair Business Practices, Breach of Mod Contract, Promissory Estoppel, Conspiracy to Defraud, Negligence Per Se (Citi, Kaiser); for Client SB Librarian: Ca Homeowner Lawsuit Upheld HAMP, UCL, Fraud, Breach of Contract, Negligence

9-2012 Rich Rydstrom, Esq. upholds Complaint for Los Angeles Entertainment Photographer in OC Superior Court for Violations of HAMP,  Fraud-Mod, Unfair Business Practices, HAMP NEGLIGENCE (Biakanja and Ansanelli), RFDCPA, Promissory Estoppel,  etc. Ca HAMP Lawsuit Upheld Attorney Rich Rydstrom

August 2012 Attorney Rich Rydstrom Freezes Bank Foreclosure in CA winning a Preliminary Injunction for Disabled  (Discrimination; Wrongful Foreclosure; CA Unfair Business Practices]  Ca HAMP Lawsuit for Disabled Upheld by Attorney Rich Rydstrom

Aug. 2012 Interview of Rich Rydstrom  8 2012 “Mystery of FHFA Rich Rydstrom Rick Sharga MortgageOrb Hall” FHFA Article National Mortgage Foreclosure Issues

Rich Rydstrom, Esq. receives AVVO OC Metro 2012 “Top Attorney” Awards in areas of  Litigation, Real Estate and Business!  Ca Attorney Rich Rydstrom Top Rated Attorney Avvo Awards

Los Angeles Judges award
Certificate of Appreciation to Rich Rydstrom, Esq. as VSO for work as ADR Neutral Settlement Officer in LA Courts  Ca Attorney Rich Rydstrom Receives Settlement Award  re Los Angeles Judges

Attorney Rich Rydstrom Wins Back to Back HAMP Remands; Proves Violations of HAMP Modification Standards Belong in State Court!

Military HAMP SCRA Rights: US Naval Reservist Sues for Wrongful Foreclosure;  Wrongful Denial of HAMP Mod;  Wrongful Charging of Insurance Premiums; Attorney Rich Rydstrom  Wins Remand for US Naval Reservist with HAMP and SCRA Claims! ORDER OF THE COURT Ca Naval Reservist HAMP SCRA REMAND Order
Remand SCRA HAMP REMAND MOTION  Naval Borrower Remand Motion by Attorney Rich Rydstrom

June 2012 Attorney Rich Rydstrom Files HAMP & SCRA Remand for Navy Militaryman Reply Brief  Ca SCRA HAMP Remand Motion Filed

June 2012 Legal Case News: Attorney Rich Rydstrom Wins Federal  HAMP Remand in Quest to Litigate HAMP Violations for Homeowner in Ca State Court!  Ca Federal HAMP Remand Order  --
HAMP Remand Ca HAMP Remand
Opposition Strike  Ca Federal Opposition Motion Strike HAMP Complaint
Opposition Dismiss Ca Federal HAMP Opposition Motion Dismiss by Attorney Rich Rydstrom

June 2012 Rich Rydstrom Interview re Ca AG Harris re National Banking Settlement
Ca Attorney Rich Rydstrom Interview re AG Harris

April 2012 New CA Foreclosure, Modification & Title Laws; AG Harris ; Ca New Foreclosure Mod Laws

March 2012 Rich Rydstrom on FHFA (DeMarco) Resistance to GSE HAMP Principal Reduction Modifications: Interview of Rich Rydstrom re FHFA DeMarco Principal Reductions

Landmark Wigod Case Supports HAMP Trial Mod Violation Lawsuits in State Court
Ca Attorney Rich Rydstrom Interview re HAMP WIGOD case

2012 Rich Rydstrom on the New AG Mega Foreclosure HAMP Modification Settlement 
Ca Interview Rich Rydstrom re AG Settlement

2012 New Foreclosure HAMP Consent Enforcement; Rich Rydstrom on Governor Raskin Fines  Ca Interview Rich Rydstrom re Govenor Raskin Foreclosure HAMP Enforcement 

2012 Richard Rydstrom on President Obama’s New HARP Short Payoff Refinance Program Ca Interview Rich Rydstrom re President Obama’s HARP Short Refi Program

2012 Rich Rydstrom on Foreclosure Timelines & Judicial Waste  Ca Interview Rich Rydstrom on Foreclosure Timelines and Court Waste

Year after Year Rich Rydstrom chosen as Industry Expert: 2010-2011 Attorney Rich Rydstrom chosen by Mortgage Banking Servicing Industry as expert in Year in Review - Ca Rich Rydstrom Chosen as National Expert
The Foreclosure-Gate Freeze & Litigation Trigger by Richard Ivar Rydstrom, Wednesday 20 October 2010 - MortgageOrb - Ca Interview Rich Rydstrom Foreclosure Gate Freeze

Rich Rydstrom on Future of Mortgage Foreclosure Modification Crisis - Ca Rich Rydstrom Interview Foreclosure Modification Crisis

Business Law & Ethics of HAMP Modifications by Rich Rydstrom NBI CMIS AFN  Ca Rich Rydstrom NBI CLE Program re Law Ethics of HAMP Mods

More Interviews & Articles Rich Rydstrom Articles

HAMP Handbook 3.3 Regs HAMP Handbook 3.3

Interviews of Rich Rydstrom Mortgage Orb Interviews

Foreclosure Defense Litigation Attorney  Ca OC

Homeowner Foreclosure Litigation; Foreclosure Defense Attorney

Banks Have Rights, But Homeowners
Have Rights Too!


2011 CA Attorney Richard Rydstrom
OC Top Attorney OC Metro Click Here

* * *
Wrongful Foreclosure

Wrongful  HAMP Modification Denials

Real Estate Litigation

Like a “David vs. Goliath” story, Rydstrom fights back for the “little guy.” As a fierce advocate, Rydstrom stands up for the rights of troubled homeowners. Richard protects homeowners facing wrongful foreclosure, wrongful mortgage modification denials or those suffering from emotional and physical injuries as a result of fraudclosures and fraud-mods. Rydstrom reminds us that many homeowners have tried to work it out with their banks but have been ignored, stonewalled or tricked. Most homeowners just want a fair decision. Banks violate the rights of homeowners when they make empty promises, delay or drag out modification decisions and then secretly sell the family home during the evaluation period. Banks and servicers have rights, but homeowners have rights too, including rights against wrongful foreclosures and wrongful modification denials.  (OC Metro Top Attorney Award)

Homeowner Defense & Litigation Presentation Click Here

About Attorney Richard Ivar Rydstrom:

2011 CA Attorney Richard Rydstrom
OC Top Attorney OC Metro
Click Here

2010 OC Metro OC Top Attorney Award The Legal Eagles
Richard Ivar Rydstrom, Esq.
OC’s Top Attorneys

AFN/CMIS Mortgage Foreclosure Banking DC Summit July 18-21

With more than 21 years of legal experience, Rydstrom is rated Superb, 10 out of 10 by Avvo – the world’s largest rating directory of lawyers. He has vast experience representing plaintiffs, defendants, homeowners and mortgage banking institutions. Richard is considered a national expert by the mortgage banking industry.  When the U.S. Treasury was establishing national policy on mortgage modifications and foreclosures for President Obama’s Home Affordable Modification Program (HAMP), Rydstrom served on the official working groups with the American Legal & Financial Network (AFN), MBA, consumer groups and banking institutions. When the 110th Congress wanted a neutral analysis of the predictive mortgage finance meltdown, Rydstrom was chosen to give an official Statement to the House Ways & Means Committee. When the AFN wanted to educate its mortgage banking servicers on the U.S. Treasury’s first HAMP outline, they chose Rydstrom.

Mr. Rydstrom has been quoted or published by:

110th Congress of the United States, The Los Angeles Times, USA Today Magazine, AIR Commercial Real Estate Association, Constructor Magazine for the American General Contractors Association, MortgageOrb, Mortgage Daily News, The American Legal& Financial Network, Orange County Register,, National Business Institute, CMISfocus Magazine, Pepperdine University (Law, Business Journal), Society of California Accountants, Landlords and Real Estate Owners associations nationwide, and others. Richard is published or quoted by the national mortgage press and media continuously.

About Attorney Richard Ivar Rydstrom:

    Some significant distinctions include:

    •Published in a Statement to the 110th Congress, House Ways & Means Committee, Chairman Charles Rangel
    •Considered a national expert in mortgage banking and related foreclosures
    •Honorary member of the American Legal and Financial Network (AFN)
    •Chairman of CMIS (Coalition for Mortgage Industry Solutions)
    •Member of the HAMP Policy Working Groups (AFN, Treasury, etc.)
    •CLE speaker and educator for attorneys, judges, banks, servicers, accountants and financial advisors  for the National Business Institute (NBI)
    •Frequent keynote speaker, panelists, and moderator at national conferences and webinars including the AFN, NBI, CMIS, CMBA
    •Voluntary Settlement Officer (VSO) for all Los Angeles courts

Free Initial Consultation: Call (949) 678-2218 or email

Contact Us: (949) 798-6206

More Interviews & Articles re Mortgage Banking Foreclosure:

Rich Rydstrom Quotes & Articles

Jan. 19, 2010
Waiver of HUD 90-Day Resale
Flipping Rule
Click Here

Commercial Real Estate Debt
& Lease Workouts
Workouts, Buy/Sell, & Collateral Issues for Owners & Investors

Commercial Vegas Falling?
Real Estate Investor Opportunities?
Richard Ivar Rydstrom, Esq., LL.M., AFN Member, Chairman, (CMIS) Coalition for Mortgage Industry Solutions
Tele: (949) 678-2218
Article - Click Here

Commercial Workouts!
New Final Regulations Resolve Open Issues for Modifications of Commercial Mortgages Held by REMICs – But Modifications Held by Investment Trusts
Remain Unanswered Pending Comments [TD 9463, Rev. Proc. 2009-45, Notice 2009-79]
Article - Click Here

The New American-Dream Team: FHA/Ginnie Mae;
The $1 Trillion Ballooning of FHA/Ginnie Mae;
2010’s Special Default Servicer’s Outsource Dream
Click Here

All the President’s HAMPmen -
Screaming from the Rooftop of the White House! ™

[New July 2009 HAMP Guidelines & Special Treasury Meeting]
[HAMP Foreclosure Forbearance – Supplemental Directive 09-01]
New HAMP Draft Guidelines July 20-28, 2009
New Foreclosure Forbearance - Supp. D. 09-01
Click Here

For More Articles or Books by Attorney Richard Ivar Rydstrom, Esq., LL.M.
Click Here


























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Aliso Viejo Foreclosure Attorney
Mission Viejo Foreclosure Attorney
Tustin Foreclosure Attorney
Irvine Foreclosure Attorneys
Newport Beach Foreclosure Attorneys
Anaheim Foreclosure Attorney
Bakersfield Foreclosure Attorney
Chula Vista Foreclosure Attorney
Compton Foreclosure Attorney
Concord Foreclosure Attorney
Corona Foreclosure Attorney
El Cajon Foreclosure Attorneys
Escondido Foreclosure Attorneys
Fontana Foreclosure Attorneys
Fremont Foreclosure Attorneys
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Fullerton Foreclosure Attorneys
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Irvine Foreclosure Attorneys
Lancaster Foreclosure Attorneys
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Modesto Foreclosure Attorneys
Moreno Valley Foreclosure Attorneys
North Hollywood Foreclosure Attorneys
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Oceanside Foreclosure Attorneys
Ontario Foreclosure Attorneys
Orange Foreclosure Attorneys
Oxnard Foreclosure Attorneys
Palmdale Foreclosure Attorneys
Pasadena Foreclosure Attorneys
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Rancho Cucamonga Foreclosure Attorneys
Riverside Foreclosure Attorneys
Sacramento Foreclosure Attorneys
Salinas Foreclosure Attorneys
San Bernardino Foreclosure Attorneys
San Diego Foreclosure Attorneys
San Francisco Foreclosure Attorneys
San Jose Foreclosure Attorneys
San Mateo Foreclosure Attorneys
Santa Ana Foreclosure Attorneys
Santa Barbara Foreclosure Attorneys
Santa Rosa Foreclosure Attorneys
Stockton Foreclosure Attorneys
Sunnyvale Foreclosure Attorneys
Torrance Foreclosure Attorneys
Vallejo Foreclosure Attorneys
Van Nuys Foreclosure Attorneys
Whittier Foreclosure Attorneys

Aliso Viejo wrongful foreclosure
Mission Viejo wrongful foreclosure
Tustin Foreclosure wrongful foreclosure
Irvine Foreclosure wrongful foreclosure
Newport Beach Foreclosure wrongful foreclosure
Anaheim Foreclosure wrongful foreclosure
Bakersfield Foreclosure
wrongful foreclosure
Chula Vista Foreclosure
wrongful foreclosure
Compton Foreclosure wrongful foreclosure
Concord Foreclosure wrongful foreclosure
Corona Foreclosure wrongful foreclosure
El Cajon Foreclosure wrongful foreclosure
Escondido Foreclosure wrongful foreclosure
Fontana Foreclosure wrongful foreclosure

Fremont Foreclosure
wrongful foreclosure
Fresno Foreclosure wrongful foreclosure
Fullerton Foreclosure wrongful foreclosure
Garden Grove Foreclosure wrongful foreclosure
Glendale Foreclosure wrongful foreclosure
Hayward Foreclosure wrongful foreclosure
Huntington Beach Foreclosure wrongful foreclosure
Inglewood Foreclosure
wrongful foreclosure
Irvine Foreclosure wrongful foreclosure
Lancaster Foreclosure wrongful foreclosure
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Los Angeles Foreclosure wrongful foreclosure
Modesto Foreclosure wrongful foreclosure
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Palmdale Foreclosure wrongful foreclosure
Pasadena Foreclosure wrongful foreclosure
Pomona Foreclosure wrongful foreclosure
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Riverside Foreclosure wrongful foreclosure
Sacramento Foreclosure wrongful foreclosure
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Santa Rosa Foreclosure wrongful foreclosure
Stockton Foreclosure wrongful foreclosure
Sunnyvale Foreclosure wrongful foreclosure
Torrance Foreclosure wrongful foreclosure
Vallejo Foreclosure wrongful foreclosure
Van Nuys Foreclosure wrongful foreclosure
Whittier Foreclosure wrongful foreclosure


Aliso Viejo wrongful HAMP mod denial
Mission Viejo wrongful HAMP mod denial
Tustin Foreclosure wrongful HAMP mod denial
Irvine Foreclosure wrongful HAMP mod denial
Newport Beach wrongful HAMP mod denial
Anaheim wrongful HAMP mod denial
Bakersfield wrongful HAMP mod denial

Chula Vista
wrongful HAMP mod denial
wrongful HAMP mod denial
wrongful HAMP mod denial
Corona wrongful HAMP mod denial

El Cajon
wrongful HAMP mod denial
wrongful HAMP mod denial
Fontana wrongful HAMP mod denial
Fremont wrongful
HAMP mod denial
Fresno wrongful HAMP mod denial
Fullerton wrongful
HAMP mod denial
Garden Grove wrongful
HAMP mod denial
Glendale wrongful HAMP mod denial
Hayward wrongful HAMP mod denial

Huntington Beach
wrongful HAMP mod denial 
Inglewood wrongful HAMP mod denial
Irvine wrongful HAMP mod denial
wrongful HAMP mod denial
Long Beach
wrongful HAMP mod denial
Los Angeles wrongful HAMP mod denial

wrongful HAMP mod denial
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HAMP mod denial
North Hollywood
wrongful HAMP mod denial
Oakland wrongful
HAMP mod denial
Oceanside wrongful
HAMP mod denial
wrongful HAMP mod denial
Orange wrongful HAMP mod denial
Oxnard wrongful HAMP mod denial
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Riverside Foreclosure wrongful HAMP mod denial
Sacramento Foreclosure wrongful HAMP mod denial
Salinas Foreclosure wrongful HAMP mod denial
San Bernardino wrongful HAMP mod denial
San Diego wrongful HAMP mod denial

San Francisco
wrongful HAMP mod denial
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San Mateo wrongful HAMP mod denial
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Stockton wrongful HAMP mod denial
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Van Nuys wrongful HAMP mod denial
Whittier wrongful HAMP mod denial



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Featured Articles by
Attorney Richard Rydstrom

1031 exchangesAjpg
Commercial Workouts Debt Mortgages Refis Mods Q4 2009 Ajpg
asset protection plans 13 secrets of rich or informed

Attorney Richard Rydstrom In the News:

2012 Rich Rydstrom on the New AG Mega Foreclosure Modification Settlement 
Click Here

2012 New Foreclosure Consent Enforcement; Rich Rydstrom on Governor Raskin Fines  Click Here 

2012 Richard Rydstrom on President Obama’s New HARP Short Payoff Refinance Program Click Here

2012 Rich Rydstrom on Foreclosure Timelines & Judicial Waste  Click Here

Rich Rydstrom chosen as Industry Expert: 2010-2011 Attorney Rich Rydstrom chosen by Mortgage Banking Servicing Industry as expert in Year in Review - Click Here
The Foreclosure-Gate Freeze & Litigation Trigger by Richard Ivar Rydstrom, Wednesday 20 October 2010 - MortgageOrb - Click Here

Rich Rydstrom on Future of Mortgage Foreclosure Modification Crisis - Click Here

Rich Rydstrom  Interviewed on Herman Cain’s 9-9-9 Plan
 Click Here

Rich Rydstrom Quoted by MortgageOrb on New Federal HAMP NPV Calculator  Click Here

Rich Rydstrom on the Rise and Fall of the Housing Market Part 4 Click Here

Rich Rydstrom on What’s Next for the  FHA Mortgages? Click Here

Richard Rydstrom on Mortgage Originations, Secondary Market Securitizations  Click Here

Chairman Rydstrom on the $700 Billion TARP Bailout  Click Here

Rich Rydstrom on Shadow Inventory, Mortgage Markets and Housing Recovery  Click Here

Ca Attorney Rich Rydstrom on Commercial Real Estate Sectors  Clcik Here

CA Attorney Rich Rydstrom on the Secrets to Renewed Mortgage Originations Click Here

Ca Attorney Richard Rydstrom on Restructuring Fannie Mae (GSEs) Click Here

National Legal Expert Richard Rydstrom on The Business, Law and Ethics of Loan Modifications for NBI as CLE Instructor  Click Here

Rich  Rydstrom on the Jumbo Mortgage Sector  Click Here

Richard Rydstrom on FHFA HARP  Click Here

Newport Beach Attorney Rich Rydstrom on Shadow Banking System  Click Here

Annual Mortgage Banking Roundtable with Expert Rich Rydstrom  Click Here

Mortgage Meltdown 2007  Click Here

Final Tax Regulations re Modifications CRE  Click Here

Mortgage Banking Foreclosure Interview with Rich Rydstrom  Click Here



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WARNING:  TERMS OF USE: BY USE OF THIS WEBSITE, YOU AGREE TO THESE TERMS; AND OTHER CONDITIONS AS SET FORTH HEREIN. This web site is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship. REPRESENTATION IS BY WRITTEN LEGAL RETAINER ONLY. LIMITATIONS OF USE OF SITE: YOU MAY NOT RELY ON SITE INFORMATION, ARTICLES OR LINKS AS LEGAL, TAX OR FINANCIAL ADVICE. YOU MUST HIRE AN ATTORNEY TO ADVISE YOU AS TO YOUR UNIQUE FACTS AND CIRCUMSTANCES. LEGAL NOTICE: This web site and any of its articles are not legal, tax or financial advice, and you may not rely on it for same. This is a brief non exhaustive newsworthy article and may be deemed an advertisement from the State Bar. All Rights Reserved ©1999-2012 Richard I. Rydstrom.

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