The Mortgage Bankers Association (MBA) National Mortgage Servicing Conference & Expo in Grapevine, Texas, was all about being exacting, thorough and helpful to borrowers.  A word of caution went out to lawyers who were told they may become targets of lawsuits as contested foreclosure litigation is increasing.  Mortgage servicers were told to tread carefully when pursuing a deficiency judgment against a homeowner.  While servicers are trying to recoup money for the investors, they do not want to be front page news for pursuing wrongfully.  HousingWire.com also reports Fannie Mae rolled out a new program to better address borrowers’ needs and reward servicers who perform well.  Meanwhile, Freddie Mac introduced a new program to rate mortgage servicers.