HAPA stands for Home Advisory and Property Assistance. It is an association set up in Moreno Valley, California by FD Options to advise people on the subject of home ownership. Through HAPA, we give assistance to people who own property, and have a mortgage on that property. We at FD Options developed HAPA with a research team that is skilled in all aspects of mortgages and property ownership. A large part of our service is to locate documents that are recorded in county records for the purpose of proving ownership and to discover any misappropriate documents that may impact your mortgage loan or your ownership of the property in question. We share legal codes, case law, legal definitions and legal procedures with you and we will help you use this information to prevent or reverse any mis-appropriate takeover by your mortgage lender. We understand foreclosure procedure and we can show you tips to counteract the steps your mortgage banker takes to foreclose on your property. Home Advisory & Property Assistance service is an administrative process supported by numerous Federal Consumer Protection Laws, including, but not limited to, the Real Estate Settlement Procedures Act (“RESPA”), the Truth-in Lending Act (“TILA”), The Code of Federal Regulations and the Fair Debt Collection Practices Act (“FDCPA”).