I do not qualify for legal action because my loan was initiated in 2004. However, it is estimated that 60% of all mortgages across the nation contain Yield Spread Premium (YSP).
Please take time to review the letter (above) from a law firm in Indiana. According to the letter, loans initiated within the last 3 years may qualify for legal action...
You can find Yield Spread Premium on the settlement statement in your mortgage documents. It will be listed as P.O.C. or paid "outside of closing." This shows the dollar amount of the kickback your broker received for inflating your interest rate.
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