| Recent Questions |
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| Q: When Bank of America did our loan modification the capitalized amount inclu... | Posted By: Blueysbe on Jan 28, 2012 02:26AM |
| A:
Unfortunately there is no clear cut guidelines on this. In order to make s ... More |
| Q: im currently in chapter 13 bankruptcy and pay 189 dollars every 2 weeks i h... | Posted By: mrtheking on Jan 25, 2012 02:26PM |
| A:
With that little bit of information it is very hard to determine if you wou ... More |
| Q: my co-borrower doesn't want to sign the final loan modification docs, but h... | Posted By: ahsan on Dec 14, 2011 12:17AM |
| A:
That is a great question and I think you should consult with bank of americ ... More |
| Q: I just received loan modificaton approval n signed. Sent back immediately.... | Posted By: FFloresarcee on Dec 03, 2011 09:19PM |
| A:
Typically that is correct. However you should always call your mortgage com ... More |
| Q: My ex-wife completed a HAMP loan modificaion which changed the terms of the... | Posted By: Pepper on Nov 18, 2011 06:50PM |
| A:
Probably not because the terms of your loan were affected in a positive man ... More |
| Q: I did a loan modification a year ago , my interest was reduced and not the... | Posted By: joey06 on Nov 17, 2011 04:27PM |
| A:
Unfortunately principal reductions are very scarce. You can always apply ag ... More |
| Q: I am in three month trial modification with Bank of America. I am in the B... | Posted By: Bugs on Nov 11, 2011 05:26PM |
| A:
It shouldn't affect your modification, however you should call your represe ... More |
| Q: my house is up for sale on 11-17-2011,can i be approve for a modidicaton lo... | Posted By: churchtochurch on Nov 06, 2011 08:51PM |
| A:
Yes you can. You need to move very quickly. Please either fill out a form o ... More |
| Q: what if u miss a payment while in modifacation | Posted By: younger on Oct 12, 2011 12:22PM |
| A:
If you miss a loan payment while in a trial modification period you will m ... More |
| Q: Can you get a loan Modification in the state of Texas if you have a lien on... | Posted By: Sandy on Oct 06, 2011 01:02AM |
| A:
You should be able to. The fact is that you are not refinancing your loan w ... More |
| Q: My mortgage is with Chase however Wells Fargo is the Investor. My original ... | Posted By: del323 on Oct 05, 2011 12:14PM |
| A:
Wow! You have certainly been fighting the good fight for your loan modific ... More |
| Q: in september 2010 we had a modification by bao im the co borrower but i nev... | Posted By: nacho on Sep 26, 2011 09:05PM |
| A:
That is a question you would need to ask a local attorney. I recommend visi ... More |
| Q: can you get a loan modification loan under Bankruptcy 13? | Posted By: TL on Aug 29, 2011 03:41PM |
| A:
Yes you can get a loan modification while in a chapter 13 BK. You would nee ... More |
| Q: When applying for a modification, what is the purpose of the bank viewing t... | Posted By: lsm on Aug 25, 2011 11:40PM |
| A:
The only reason why a lender would want to check out the property is to det ... More |
| Q: I'm in the process of getting a divorce and I would like to stay in the hom... | Posted By: redsox10 on Aug 20, 2011 05:42PM |
| A:
I'm sorry to hear about your divorce. Unfortunately I can't tell you if you ... More |
| Q: I have been trying to get a loan modification, and all wells fargo home mo... | Posted By: orensoni on Aug 18, 2011 10:41PM |
| A:
I would recommend that you hire an attorney to deal with the bank. They hav ... More |
| Q: what information about my property they are requesting | Posted By: gigi on Aug 12, 2011 12:14PM |
| A:
If your landlord is applying for this program. Do you have to provide incom ... More |
| Q: We are in the process of a home loan modification and now we just got a let... | Posted By: hrnfrd73 on Aug 09, 2011 04:10PM |
| A:
This is a very serious issue, and you need to handle it with care, just con ... More |
| Q: My wife and I were divorced about 1.5 yrs ago. I was given the house and k... | Posted By: Igotthekids on Aug 04, 2011 03:20PM |
| A:
I have never heard of any mortgage company releasing an obligated signer du ... More |
| Q: What happens if you get a new job, that pay more money, during your 3 month... | Posted By: Wrigley1121 on Aug 04, 2011 02:52PM |
| A:
A couple of things may happen. 1. You may be required to submit to update i ... More |
| Q: I have been helping a friend who doesn’t speak English very well and she ... | Posted By: PhuOng on Jul 09, 2011 04:25AM |
| A:
Wow, lots of information in this question! I would suggest calling 866-437 ... More |
| Q: I want to refinance or loan modication on on a loan of $16,000 who can I ta... | Posted By: ninese on Jul 05, 2011 01:19PM |
| A:
Please call 866-437-9061. |
| Q: How much time do I have for reviewing the loan modification agreement befor... | Posted By: Sara on Jul 01, 2011 01:00AM |
| A:
Does the modification give you a time frame? |
| Q: I have a mortgage on my home that came from an SBA loan for my husband's bu... | Posted By: DKURTZMAN on Jun 28, 2011 07:56AM |
| A:
Yes. They are able to help with any type of mortgage as there are many diff ... More |
| Q: has anyone entertained getting divorced in order to qualify for a loan mod?... | Posted By: desperate for answers on Jun 27, 2011 05:59PM |
| A:
if there was a divorce one party would move out. |
| Q: If I am in a trial modification with Sun Trust Mortgage can I still work on... | Posted By: euda on Jun 08, 2011 07:12PM |
| A:
if you are on a mod most likely your house is underwater. If that is the ca ... More |
| Q: I am in the middle of a masty divorce and i am also trying to get my mortga... | Posted By: hopeless on Jun 08, 2011 05:17PM |
| A:
No it shouldn't disqualify you from getting a loan modification. The bank m ... More |
| Q: My husband and I are getting divorced. We are both on the home modification... | Posted By: needingadvice on Jun 03, 2011 09:36PM |
| A:
You will have to keep the HAMP modification unless you qualify to refinance ... More |
| Q: If I sign a loan modification agreement after it is approved, then need to ... | Posted By: donnamaeh on May 26, 2011 09:52AM |
| A:
To my knowledge there wouldn't be any ramifications. However I strongly sug ... More |
| Q: although I live in my house which is a two family structure....I
rented on... | Posted By: augizine guy on May 23, 2011 09:21PM |
| A:
You may qualify for a program available currently depending on your lender. ... More |
| Q: if someone is 22-24 months behind on there mortage can they get a modifica... | Posted By: tina on May 22, 2011 12:09AM |
| A:
Yes depending on your hardship and current situation with your lender you m ... More |
| Q: I have a second home and was forced to rent it out to make my ends meet whe... | Posted By: bubu on May 18, 2011 02:06AM |
| A:
You should be able to qualify for an in house modification program at your ... More |
| Q: I have been denied a loan modification by my mortgage company
due to lack... | Posted By: Tim on May 16, 2011 10:46PM |
| A:
You may try to apply again but the advise of a professional to help you qua ... More |
| Q: why would a bank ask me what is my status civil | Posted By: diesel on May 12, 2011 12:32PM |
| A:
If you are an active military member and are over seas serving your country ... More |
| Q: my ex wife has been approved for a loan modification. she is saying the nex... | Posted By: jirehtotalwellness on May 10, 2011 08:15PM |
| A:
That is a question that you should be asking a Georgia attorney. Please con ... More |
| Q: How can you help me get a loan modification? | Posted By: info@loan-modification411.com on May 10, 2011 12:23PM |
| A:
We are a referral service that helps struggling homeowners take the guess w ... More |
| Q: I just had a modifcation back in Dec.2010 can i get another because i out o... | Posted By: dones952 on Apr 30, 2011 12:50PM |
| A:
It depends upon what type of loan modification you received. If it was a HA ... More |
| Q: Do I have to pay loan while i wait for modification? | Posted By: ttgaines on Apr 29, 2011 01:01AM |
| A:
By law no one can tell you not to make your payments on your mortgage. If ... More |
| Q: My mortgage is with a small private bank out of chicago, they do not work w... | Posted By: KrisB4j on Apr 15, 2011 09:53PM |
| A:
I'm sorry to hear that you were scammed by a loan modification company. It' ... More |
| Q: I am in a owner finance loan that is mortgaged by his bank. do I own the pr... | Posted By: malachi302003 on Apr 11, 2011 02:40PM |
| A:
I would suggest that you speak with an attorney. To be connected with an at ... More |
| Q: we are upside down on our mortgage and we were denied modification, it is b... | Posted By: SaraStarr on Mar 31, 2011 10:32PM |
| A:
By law no one can tell you to go late on your mortgage payment. We have see ... More |
| Q: I HAVE A HAD A MORTGAGE THUR ANOTHER BANK AND NOW BAC TOOK MY MORTGAGE OVER... | Posted By: bigmac on Mar 30, 2011 03:53PM |
| A:
First and foremost I am sorry to hear that you lost your wife and your son. ... More |
| Q: My mortgage is through bank of america. I have had 2 modifications in the l... | Posted By: esturr on Mar 24, 2011 08:42PM |
| A:
I don't know of any law that governs the number of times you can apply or q ... More |
| Q: i received a loan modification a yr ago.i defaulted will i qualify for anot... | Posted By: ross on Mar 23, 2011 09:50PM |
| A:
The short answer is Maybe. It depends upon what type of loan modification y ... More |
| Q: i rceived a loan modification a yr ago,i defaulted.can i apply for another ... | Posted By: ross on Mar 23, 2011 09:48PM |
| A:
I want to know can i do a loan modification one more time, I did one before ... More |
| Q: DO YOU HAVE TO BE THREE MONTHS BEHIND TO GET A MODIFICATION. I'M CURRENTLY... | Posted By: MODIFY on Mar 11, 2011 11:35AM |
| A:
No you do not. If you need help with a loan modification please all 866-437 ... More |
| Q: I just qualified for the modification and it went into effect on january fi... | Posted By: adrian1972 on Feb 26, 2011 10:41PM |
| A:
Your options are very limited. Either you can make the payments in accorda ... More |
| Q: My husband and I divorced. He quit claimed deed the house to me, but he is... | Posted By: fini1966 on Feb 25, 2011 10:47PM |
| A:
First and foremost I am not an attorney and you should seek competent legal ... More |
| Q: After they approved HAMP and per-trail, after 3 months payment they can den... | Posted By: lucy2011 on Feb 24, 2011 03:00PM |
| A:
Yes they can. It is actually a sneaky ploy by the banks to take as much mon ... More |
| Q: On last year of 2010 I apply for loan modification I did get approve and th... | Posted By: lucy2011 on Feb 24, 2011 09:57AM |
| A:
Yes they can. You need to stay on top of the bank and make sure you call ev ... More |
| Q: I am going through a modification and my mortgage company is aware of this ... | Posted By: kimber7208 on Feb 10, 2011 08:51AM |
| A:
Your law firm is correct. But unfortunately the banks don't always follow t ... More |
| Q: What if I already filed banrupt and my house is 4 months behind. Me and my ... | Posted By: tj on Jan 28, 2011 07:42AM |
| A:
You are experiencing a hard ship and should apply for a loan modification. ... More |
| Q: If you are approved for a loan modification but it is still more than you f... | Posted By: myke121 on Jan 18, 2011 03:39PM |
| A:
There is no rule or law that states you have to accept any loan modificatio ... More |
| Q: We refinanced about a year ago. Can we qualify for a loan modification? We ... | Posted By: Katmcvay on Jan 17, 2011 11:13AM |
| A:
You can qualify for an internal loan modification. In order to qualify for ... More |
| Q: I applied for a home modification loan in July of 2010. The trial period s... | Posted By: mpopy1 on Jan 14, 2011 03:36PM |
| A:
That is a question that only your mortgage company can answer as they are t ... More |
| Q: I was eligible for a Home Affordable Modification but from Nov-09 to Apr-10... | Posted By: JC on Jan 14, 2011 10:17AM |
| A:
Unfortunately BK and loss mitigation do not have the same rules. This is s ... More |
| Q: My mother has a home and she is 90 years old. She is no longer to stay ther... | Posted By: luthetis on Jan 13, 2011 12:29PM |
| A:
Yes. Please call 866-437-9061 to speak with a specialist. |
| Q: Can one qualify for loan modification on primary if they have an active 401... | Posted By: christineser on Jan 09, 2011 03:36AM |
| A:
According the the HAMP program, retirement accounts are not to be taken int ... More |
| Q: Can I qualify for a loan modification if I have over 30,000 equity in my ho... | Posted By: gbc on Jan 03, 2011 09:22PM |
| A:
Yes you can qualify for a loan modification. You will need to demonstrate a ... More |
| Q: I began my HAMP modification on Sept. 1, 2010. I was approved for permanen... | Posted By: nmmgk on Dec 10, 2010 12:27AM |
| A:
This is something that you would have to re-apply for. |
| Q: I did a loan remodification in January 2010 because of hardship reasons. I ... | Posted By: bevcal on Nov 17, 2010 01:37PM |
| A:
It depends upon what type of modification you received previously. Please ... More |
| Q: We modified our loan in January 2010,(HAMP) which lowered our interest rate... | Posted By: bwoodhome on Nov 15, 2010 09:34AM |
| A:
Unfortunately if you have received a HAMP modification on your loan already ... More |
| Q: When using my gross income,my DTI is below the 31% mark. Yet about a third... | Posted By: josefmrouse on Nov 12, 2010 12:12PM |
| A:
Unfortunately they will not consider these deductions in the calculation fo ... More |
| Q: When doing a loan modification is the bank/finance company required to give... | Posted By: Pat on Nov 10, 2010 05:13PM |
| A:
When a loan modification is completed they should bring your payment down t ... More |
| Q: We are in a Home Mortgage modification process at the moment. I recently h... | Posted By: curiouskim on Nov 09, 2010 10:49AM |
| A:
If it changes your debt to income ratio it may. |
| Q: I am 2 1/2 months behind on my payments due to loss of job. For the past 4 ... | Posted By: Bobbysgirl99 on Nov 04, 2010 11:26PM |
| A:
Typically if you are only a couple of months behind and are keeping yoursel ... More |
| Q: My 1st and 2nd mortgages are with BAC.I stopped paying on 8/1/09 both of th... | Posted By: hago on Nov 04, 2010 04:31PM |
| A:
If you can't afford to make the payment on the 1st mortgage if it is not mo ... More |
| Q: Hi. I noticed that the text of your web site has misspelled words and impr... | Posted By: doubter on Nov 01, 2010 12:05PM |
| A:
Yes we are a reputable source for loan modification information. We are als ... More |
| Q: Is there a payment grace period with a home loan modification? | Posted By: rob on Oct 26, 2010 05:42PM |
| A:
Unfortunately there is no grace period on the monthly payments in the trial ... More |
| Q: My FIrst Modification was done in May 2009 thru mortgage company (cause I d... | Posted By: Bittersweetim on Oct 20, 2010 03:00PM |
| A:
That is a great question for a lawyer! To speak with one please fill out a ... More |
| Q: Will filling for bankrupcy have any negitive impact on my loan modification... | Posted By: adri on Oct 18, 2010 08:09PM |
| A:
In most cases no. Please consult with a competent attorney on this matter b ... More |
| Q: do you need to be approved for 9 months of unemployment to qualify first fo... | Posted By: tag on Oct 18, 2010 05:17PM |
| A:
It sounds like you need someone who is able to tell Wells Fargo how a modif ... More |
| Q: Is the 3 month trail period the new lower payment, or do you have to make 3... | Posted By: sadie1 on Oct 14, 2010 05:15PM |
| A:
My trial payments were higher and have yet to get the final paperwork for t ... More |
| Q: i attended a wells fargo home retention event today and i was offered a pr... | Posted By: rosebud13 on Oct 08, 2010 08:38PM |
| A:
Either way you look at it you will need to put something towards the remod. ... More |
| Q: My lender is EMC/Chase. Since September 2009, I was paying my mortgage unde... | Posted By: paulost on Oct 05, 2010 01:45PM |
| A:
I'm sorry that this has happened to you. We hear stories like this all the ... More |
| Q: if banks receives payments and does not aproove modification can you still ... | Posted By: jesusmonge15 on Oct 03, 2010 02:45AM |
| A:
If you are making your payment in full and are not behind the bank cannot f ... More |
| Q: We filed Ch 13 Sept 2009 due to my spouse being unemployed our mtg co would... | Posted By: tracie on Oct 01, 2010 03:13AM |
| A:
This is a very long question! Please call 866-437-9061 to speak with a spec ... More |
| Q: I was denied a loan modification with Wells Fargo. I got a call from Wells... | Posted By: andthen on Sep 30, 2010 03:56PM |
| A:
Next you need to hire an attorney to guide you through this process. You ne ... More |
| Q: can i stop making mortgage payments during loan modification process?
| Posted By: Gia on Sep 29, 2010 07:19PM |
| A:
If you can afford to make your mortgage payments you should always do so. I ... More |
| Q: Chase our lender, declined our MHA application this 1st of this month with ... | Posted By: niko on Sep 20, 2010 09:56AM |
| A:
Unfortunately we hear this story all the time. The lenders make it so diffi ... More |
| Q: How much does it normally cost to modify the loan? | Posted By: Blessed1 on Sep 16, 2010 01:09PM |
| A:
It all depends upon your situation. I would say that a fair price for a loa ... More |
| Q: have you ever heard of Global financial services group, Riverside CA. doing... | Posted By: Blessed1 on Sep 16, 2010 01:06PM |
| A:
I attemtped to research Global Financial Services, Group in Riverside CA. I ... More |
| Q: Can a home be sold while the loan is in the process of being modified? | Posted By: Sdenise on Sep 10, 2010 08:14AM |
| A:
Technically when there is an active loan modification in process the banks ... More |
| Q: What happens if I get a loan modification then move out and rent the proper... | Posted By: cdfshr633 on Sep 09, 2010 06:53PM |
| A:
Nothing should change with your loan modification. |
| Q: I just received a packet from Chase to modify my current mortgage. They sa... | Posted By: mawwi1 on Sep 02, 2010 07:06PM |
| A:
It is actually considered income and they will send you a 1099 statement at ... More |
| Q: can you follow thru with a modifacation after you file chapter 13 | Posted By: cam on Aug 31, 2010 07:51PM |
| A:
Yes you can. I would highly recommend using an attorney to help you with th ... More |
| Q: While waiting for our home modification loan to be approved do we pay our c... | Posted By: sun854 on Aug 21, 2010 01:21PM |
| A:
see below. |
| Q: While waiting for the loan modification to be approved to we continue to pa... | Posted By: sun854 on Aug 21, 2010 01:20PM |
| A:
If you can afford to make your mortgage payment you should do so. If you ca ... More |
| Q: if iam not on the loan for my house, do i still put my information on the a... | Posted By: nicelady on Aug 20, 2010 02:37PM |
| A:
This is a great question. This is one of the many reasons why you should hi ... More |
| Q: i have been pre-qualified for LOAN MOD. I made the trial 3 month payments o... | Posted By: pattiduke on Aug 19, 2010 10:52AM |
| A:
Unfortunately it is true. Bank of America is notorious for putting people i ... More |
| Q: received a loan mod 14 months ago. dropped from 6.9% to 5.25%. not enough r... | Posted By: pskfd55 on Aug 18, 2010 08:45PM |
| A:
You have to wait a minimum of 1 year. |
| Q: What is your fee? | Posted By: Anna on Aug 18, 2010 01:01PM |
| A:
Our service is free to you. We match you up with reputable loan modificatio ... More |
| Q: I was approved for modification in July 2009 and have been paying the month... | Posted By: Familyof8 on Aug 17, 2010 11:07AM |
| A:
Unfortunately we hear this happening all the time. You really need to get a ... More |
| Q: Hi, repeat-question asker here. Have asked you guys for advice before and y... | Posted By: frank on Aug 12, 2010 04:40PM |
| A:
You're welcome. Looking forward to a callback on the issue. |
| Q: I have 1st with 5.37% 30yr fixed 100k balance 23yrs left. 2nd 6.99 15yr 55k... | Posted By: carol on Aug 10, 2010 03:13PM |
| A:
This is a great question. If you can refinance your mortgages into 1 that i ... More |
| Q: Do you have to have had the current mortgage for a specified period of time... | Posted By: astrid on Aug 10, 2010 09:55AM |
| A:
Yes for at least 1 year. |
| Q: If I am in a process of getting a divorce, and my spouse want me to quick c... | Posted By: amelio_bello on Aug 08, 2010 09:29PM |
| A:
If you quit claim yourself off of the deed you are still responsible for th ... More |
| Q: That is Modification Papers | Posted By: Bittersweetim on Aug 04, 2010 02:43PM |
| A:
see below. |
| Q: It took a year to get modification through mortgage company that i never si... | Posted By: Bittersweetim on Aug 04, 2010 02:42PM |
| A:
Hire a professional to help you secure a modification. |
| Q: I was originally offered (3) trial payments of $1,312.37 (37.5 % of monthly... | Posted By: Dodie on Jul 27, 2010 03:39PM |
| A:
The payment seems a little high for your income but you did receive an incr ... More |
| Q: we are in the middle of a loan modifacation and they still held a nts and n... | Posted By: linyinran on Jul 22, 2010 03:58PM |
| A:
It sounds like you need to hire a professional to sort through this mess. P ... More |
| Q: We are currently under the 31% because BOA doesn't consider our 2nd mortgag... | Posted By: dales0513 on Jul 19, 2010 07:26PM |
| A:
IN HOUSE they also require 31% they told me. I called Citimortgage on the s ... More |
| Q: if an attorney is working on a loan modification do you still have to make ... | Posted By: bonsi135 on Jul 13, 2010 01:32PM |
| A:
If you can afford to make a payment you should. If your attorney, who you ... More |
| Q: can the bank foreclose while you are in the loan modification process | Posted By: libra54 on Jul 11, 2010 03:27PM |
| A:
They can but they shouldn't. |
| Q: i was gonna get a car loan from my bank I tried and they said pay your paym... | Posted By: cody616 on Jul 09, 2010 02:14PM |
| A:
We do not deal with auto loans, sorry. |
| Q: IF YOU ALREADY HAVE HAD A LOAN MODIFICATION WHAT CAN YOU DO IF YOU NEED ANO... | Posted By: HARRYE on Jul 07, 2010 06:36PM |
| A:
It depends upon what type of modification you received the first time. Plea ... More |
| Q: are mortgage companies required to participate. Tried to work with my bank ... | Posted By: Pam1165 on Jul 03, 2010 10:46AM |
| A:
If your bank too TARP money they should be participating in the HAMP progra ... More |
| Q: If my income is currently too low for a loan modification due to profession... | Posted By: DJB on Jul 02, 2010 06:52PM |
| A:
It sounds like you need the help of an attorney. Fill out a form on this si ... More |
| Q: My mortgage company debited the wrong amount from my checking account via p... | Posted By: LoanMod on Jul 01, 2010 08:37PM |
| A:
It sounds like you need help resolving this issue. I would recommend fillin ... More |
| Q: Does Carrington offer principal reduction along with loan modification? | Posted By: FLACLEVE on Jun 29, 2010 01:24PM |
| A:
Principle reductions are on a case by case basis. You would have to apply f ... More |
| Q: Have you done any successful mods with Carrington Mortgage Services? Thank ... | Posted By: FLACLEVE on Jun 29, 2010 10:26AM |
| A:
Yes. |
| Q: Rec'd a trail mod from GMAC only to have them send back the last check sayi... | Posted By: FLACLEVE on Jun 29, 2010 09:43AM |
| A:
The possibility is very high. The cost depends upon your specific circumsta ... More |
| Q: If a bank conducts the sheriff sale after your modification papers are all ... | Posted By: rochelle01 on Jun 29, 2010 06:37AM |
| A:
I have heard of peoples homes being sold at auction and then the bank resci ... More |
| Q: My husband lost his job year and a half ago, we applied for loan modificati... | Posted By: rochelle01 on Jun 29, 2010 06:33AM |
| A:
You can attempt to qualify for another modification or you can cure the def ... More |
| Q: iam self employed and my husband was laid off from his job part of my compa... | Posted By: seattlejoe1 on Jun 28, 2010 07:15PM |
| A:
Yes a loan modification will help you. Please fill out a form on this site ... More |
| Q: If I have already gotten a HAMP interest rate reduction, can I still apply ... | Posted By: Mel on Jun 26, 2010 06:35PM |
| A:
You can always apply for the new program but you may not qualify for it if ... More |
| Q: My husband lost his job almost year ago, we have been trying to pay mortgag... | Posted By: syl on Jun 25, 2010 11:26PM |
| A:
By law no one can tell you not to make your mortgage payment. If you can't ... More |
| Q: Please verify that Gross Income of a Business on Schedule C is not
the inc... | Posted By: jaykingjr on Jun 25, 2010 01:10PM |
| A:
It sounds like you need to ask for that representatives supervisor. |
| Q: I completed a loan modification with BOA in Jan 2009. I call and have call... | Posted By: dbarrett70 on Jun 21, 2010 06:23PM |
| A:
I'm sorry that you have experienced this with bofa. I would suggest callin ... More |
| Q: HOW CAN I MAKE
ON LINE PAYMENTS
VIA INTERNET !!!!!!
ELADIO DIAZ | Posted By: LALO1944 on Jun 18, 2010 01:38PM |
| A:
You will need to contact your mortgage company to do so! |
| Q: in reading all your question and answers below everyone that has obtained a... | Posted By: pjb on Jun 12, 2010 09:48PM |
| A:
Yes this does sound normal. Sign the paperwork and send it back in and be h ... More |
| Q: okay i just got a packet in the mail to send bank of america in it is a for... | Posted By: pjb on Jun 12, 2010 09:17PM |
| A:
Yes it is when you try to do this on your own. This is the banks way of put ... More |
| Q: I,M ALREADY SET IN A LOAN MODIFICATION WITH 3 CONSECUTIVE PAYMENTS OF 581.7... | Posted By: LADY KAHUNA on Jun 12, 2010 05:01PM |
| A:
I had a loan modification last year on my home...but things has changed my ... More |
| Q: Nov 2009 paid a hefty fee to process Loan Modification,today is
June 2010 ... | Posted By: prplsable on Jun 08, 2010 09:03PM |
| A:
Thank you so.o.o much.I am trying to pick up the pieces after receiving a n ... More |
| Q: A third party charged us $1,200 to file for a HAMP application to save our ... | Posted By: Frankandbeans on Jun 07, 2010 04:09PM |
| A:
That sounds crazy. You shouldn't pay that much for a modification. Please f ... More |
| Q: Please help! Our mortgage was being processed for the HAMP under a trial pl... | Posted By: Frankandbeans on Jun 07, 2010 04:06PM |
| A:
I'm sorry to hear about your mother. I would really like to speak with you ... More |
| Q: how much do you charge? | Posted By: gina1 on Jun 05, 2010 09:42AM |
| A:
The fee varies by company. We connect you with 2 reputable loan modificatio ... More |
| Q: my husband ex is applying a loan modification..but while shes waiting for t... | Posted By: fairlady on May 27, 2010 02:13AM |
| A:
If your husband was a co-borrower when the original loan was signed for the ... More |
| Q: can a bank forclose if in trial modification? | Posted By: monica566 on May 20, 2010 12:42PM |
| A:
They should not be able to but sometimes the right hand doesn't talk to the ... More |
| Q: My ban has been giving me the run around for about a year now. What can I d... | Posted By: adirende on May 18, 2010 11:54PM |
| A:
please see the answer to the question below. |
| Q: my bank has been giving me the run around for almost a year now. What can I... | Posted By: adirende on May 18, 2010 11:53PM |
| A:
Hire a professional to assist you in obtaining a modification from the bank ... More |
| Q: we are 30 months behind so far and now have good jobs, but the bank says we... | Posted By: joeswife89 on May 18, 2010 07:53PM |
| A:
Yes there is. There are many different types of loan modifications availabl ... More |
| Q: We hired Hay Law Center in CA to do our loan modification to stop the forcl... | Posted By: momof2mc on May 17, 2010 07:59AM |
| A:
I would recommend that you stay in contact with your lender as well as Hay' ... More |
| Q: Our home is in the process of forclosure and will post in July. We are in ... | Posted By: caslyn18 on May 15, 2010 05:25PM |
| A:
please see my response to the question below. |
| Q: My house is in the process of forclosure, we are in the process of filing f... | Posted By: caslyn18 on May 15, 2010 05:23PM |
| A:
If you are not making payments on your home then can proceed with the forec ... More |
| Q: In the state of Minnesota,how long does one have legally till they have to ... | Posted By: msk7174 on May 13, 2010 05:48PM |
| A:
I'm sorry but we are not a law firm and cannot give legal advise. It sounds ... More |
| Q: last year my wife had lost her job & we fell behind 4 months in payments,BO... | Posted By: msk7174 on May 13, 2010 05:36PM |
| A:
I'm sorry to hear about your situation. It really sounds like you need hel ... More |
| Q: I BOUGHT MY HOUSE IN 2005 FOR 176,000.00 AND PUT DOWN 80,000.00 SO MY MORTG... | Posted By: fruitcakee50 on May 11, 2010 07:07PM |
| A:
We would need to speak with you to see what your debt to income ratio is to ... More |
| Q: I received a loan modification and now our loan has been sold and the "new"... | Posted By: heather on May 10, 2010 07:31PM |
| A:
It sounds like one bank is not telling the other what has transpired on you ... More |
| Q: do lates payments on loan modify diqualifies you loan modification? | Posted By: monica566 on May 10, 2010 04:25PM |
| A:
I think I understand what you are trying to say...
If you are approved f ... More |
| Q: I'm currently under a Chapter 13. Since the beginning of January 2010, my c... | Posted By: VTorbush on May 07, 2010 09:41AM |
| A:
There is a lot more information that we would need to know in order to tell ... More |
| Q: Can the bank forclose your house while in the loan modification process??? ... | Posted By: adri on May 05, 2010 08:11PM |
| A:
They are not supposed to but yes they can. If you hired a professional to a ... More |
| Q: How to get good leads for loan modification? | Posted By: Bryan on May 01, 2010 03:22PM |
| A:
Call 866-437-9061. |
| Q: i have a loan through litton. we applied for a loan mod and got the trial p... | Posted By: mreg93 on Apr 29, 2010 06:10PM |
| A:
I'm sorry this happened to you. It sounds like something happened between t ... More |
| Q: Are there any fees to get a loan mod? If so, are they added to the loan? ... | Posted By: bobsgirl424 on Apr 28, 2010 11:36AM |
| A:
These are all great questions! Generally there is a fee associated with hir ... More |
| Q: I was working on a loan modification with my current servicer (Ocwen). The ... | Posted By: Pam on Apr 26, 2010 11:05AM |
| A:
According to the HAMP guidelines you do not need to be in imminent default ... More |
| Q: Are banks obligated to work with you and modify your loan if you meet the r... | Posted By: cnaxw0 on Apr 25, 2010 07:04PM |
| A:
There is no law stating that they must but they are encouraged to by the go ... More |
| Q: I HAD A MODIFICATION DONE LAST YEAR, I HAVE BECOME BEHIND IN MY MORGAGE 4 M... | Posted By: RUDARISBILLS on Apr 24, 2010 03:31AM |
| A:
It sounds like you were offered a repayment plan and not a modification. If ... More |
| Q: Got approved for modification back in 12/09. Making those trail payments on... | Posted By: adri on Apr 19, 2010 04:54PM |
| A:
I'm sorry to hear about what happened to you. The only advise I can give yo ... More |
| Q: We are currently paying on a motor home which we bought used. We owe appro... | Posted By: 1smith2 on Apr 19, 2010 04:30PM |
| A:
Unfortunately our website is designed to give information on single family ... More |
| Q: I have a local company in Colorado that agreed to do my HAMP loan modificat... | Posted By: HAMPPROGAMFAILS on Apr 17, 2010 08:28AM |
| A:
I'm sorry to hear about your situation. To me it sounds like you need to hi ... More |
| Q: Can I get a loan modification on a reverse mortgage that is FHA? | Posted By: Judith on Apr 15, 2010 05:52PM |
| A:
Reverse mortgages can be modified through FHA only if the loan was accelera ... More |
| Q: Can I get a loan modification on an adjustable rate reverse mortgage (FHA)? | Posted By: Judith on Apr 15, 2010 05:51PM |
| A:
I have never been asked that question before. I would say that it is a poss ... More |
| Q: if my orginal loan was FHA with MIP payment, could I during a modification ... | Posted By: cali2 on Apr 05, 2010 12:07PM |
| A:
I have found that the only bad question is the question that you do not ask ... More |
| Q: we got a modification approval but in terms paper work the payments we made... | Posted By: cali2 on Apr 05, 2010 12:00PM |
| A:
The payments should have lowered your balance. I would recommend that you ... More |
| Q: My income was reduced about 30% after losing a job I had
held for 24 years... | Posted By: milieu on Apr 02, 2010 11:13AM |
| A:
From the brief synopsis it sounds like it would be possible to qualify for ... More |
| Q: hello naca counsellor my id no. is865525 i have already attended the works... | Posted By: kausar ali on Apr 01, 2010 05:18PM |
| A:
We are not affiliated with NACA. If NACA is being non-responsive to you as ... More |
| Q: my husband and I have been trying to get a loan modification with AHMSI sin... | Posted By: tbk321 on Mar 31, 2010 05:15PM |
| A:
I'm sorry that they are giving you the run around. We find that most people ... More |
| Q: so no upfront fees correct how much does it cost to get help from you to d... | Posted By: tonytheman33 on Mar 30, 2010 01:28AM |
| A:
The companies that we connect you with either do not charge anything until ... More |
| Q: i need to know exactly how much we have to make to be able to geta loan m... | Posted By: tonytheman33 on Mar 30, 2010 12:50AM |
| A:
Please call 866-437-9061. The answer to this question is too long for typin ... More |
| Q: hi i need to know wxactlyw aht to make to qualiify for a loan modification ... | Posted By: tonytheman33 on Mar 30, 2010 12:40AM |
| A:
Please retype your question. |
| Q: What happen to my loan modification if i am my first payment late | Posted By: carol.franklin69@yahoo.com on Mar 29, 2010 05:00PM |
| A:
Generally speaking the lender will pull the offer off of the table. If you ... More |
| Q: What is the best way to get the lender to do a loan modification for us? W... | Posted By: Halston17 on Mar 24, 2010 11:07PM |
| A:
This is a great question that deserves a very long answer! I would love to ... More |
| Q: Is it legal or illegal to ask for the entire amount$ up front from companie... | Posted By: Oui on Mar 24, 2010 03:40PM |
| A:
According to the CA Attorney General it is illegal for anyone offering fore ... More |
| Q: We were approved for a loan modification with Bank of America Home Loans Co... | Posted By: Rt2098 on Mar 23, 2010 11:36PM |
| A:
I'm sorry to hear what they did to you. Please provide us with your contac ... More |
| Q: My home appraises for $110,000.00, my current loan rate is 7.25%, balance i... | Posted By: louisfrdn on Mar 23, 2010 09:46PM |
| A:
We would need to know a little more of the details of your situation to see ... More |
| Q: I just sent my loan modification package in to Chase 2 weeks ago. I'm about... | Posted By: MNM on Mar 23, 2010 01:56AM |
| A:
By law no one can tell you to go late on your mortgage payment. It is poss ... More |
| Q: is there a credit hit to get a modification even if you do not lower the lo... | Posted By: kdhillon on Mar 21, 2010 05:28PM |
| A:
If you do not miss any payments they cannot report a negative to the credit ... More |
| Q: I have a modifacation in front of me, to me it does not look very good, but... | Posted By: Rhenderson on Mar 19, 2010 01:43PM |
| A:
Fill out one of the forms on this website and you will be connected with a ... More |
| Q: HOW DO YOU KNOW WHAT COMPANY YOU CAN TRUST I HAVE TALKED TO DIFFERENT PEOPL... | Posted By: INTROUBLE on Mar 18, 2010 01:56PM |
| A:
All of the companies we work with are licensed and bonded and approved to d ... More |
| Q: what do I do to modify my home loan?Can I get a quote on loan modification ... | Posted By: Innocent Achu on Mar 18, 2010 12:12AM |
| A:
To get help modifying your loan either fill out a form on this website or c ... More |
| Q: How do I modify my loan and can I change my mortgage company in this proces... | Posted By: Innocent Achu on Mar 18, 2010 12:09AM |
| A:
my mortgage co. modified my loan. they changed from 7.6 to 7.5%, Is that re ... More |
| Q: when we applied with Wells Fargo for loan modification. They denied it. bec... | Posted By: TSL2277 on Mar 17, 2010 10:17PM |
| A:
Under the HAMP program that is true. Depending upon your hardship you may ... More |
| Q: I am going through a loan modification with Chase. I've been approved for a... | Posted By: malibu2003 on Mar 16, 2010 09:45AM |
| A:
Every bank is different when it comes to reporting to the credit bureaus. ... More |
| Q: I've been trying to modify for over a year now. They say we quailify. We ha... | Posted By: frantic on Mar 14, 2010 09:45AM |
| A:
Seriously! It sounds like you have been doing this on your own without the ... More |
| Q: Are you hiring now? | Posted By: Argentina Contreras on Mar 12, 2010 02:09PM |
| A:
No sorry. But if you need help with a loan modification please fill out one ... More |
| Q: I have 2 homes and 1 is in foreclosure but has no sale date. I filed chapte... | Posted By: rbooker on Mar 10, 2010 05:04PM |
| A:
Your question has many parts to it and I would rather speak with you over t ... More |
| Q: can you get modification if refinance of loan was done in dec 09.
hardship... | Posted By: nurse00 on Mar 10, 2010 02:05AM |
| A:
Yes you can. Please either fill out a form on this website or call 866-437- ... More |
| Q: Just spoke to BOA checking on my status (I already made my 3rd trial payme... | Posted By: adri on Mar 08, 2010 09:04PM |
| A:
Unfortunately we hear this all the time. I highly suggest seeking professio ... More |
| Q: My ex and I have been divorced 12 years. She got the house, although I am s... | Posted By: ex-filed on Mar 06, 2010 02:42PM |
| A:
No she cannot. She needs to have your signature on the loan modification do ... More |
| Q: I am sorry but the question I just posted said it cut my payment by 410.00 ... | Posted By: Judybme on Mar 05, 2010 08:44PM |
| A:
Wow even more reason to give us your information so we can help you get a s ... More |
| Q: I had been on loan modification as my husband has no job and it is just me.... | Posted By: Judybme on Mar 05, 2010 08:42PM |
| A:
Please fill out a form on this website so we can contact you and help you g ... More |
| Q: I am divorced, my exhusband's name is still on the mortgage.(He agreed to l... | Posted By: MissyMac on Mar 04, 2010 03:05PM |
| A:
If he was a guarantor on the loan then he would need to sign the paperwork ... More |
| Q: I lost my job in dec. 2009 & have no income. I haven't missed a mortgage p... | Posted By: devonet on Mar 04, 2010 09:45AM |
| A:
It is not true. According to the HAMP program there was money set aside to ... More |
| Q: If a home in a condo association has gone through a loan modification by th... | Posted By: marladene on Mar 03, 2010 09:06AM |
| A:
The HOA can only collect from the homeowner. If they are unable to do so t ... More |
| Q: ive been trying to get a loan modification since 3/2009 finaly after resend... | Posted By: worry mom. on Mar 02, 2010 09:58PM |
| A:
The best advice I can give you is to get help! Please fill out a contact re ... More |
| Q: Do you have to payoff all credit cards that are in collections? and does th... | Posted By: needhelp on Mar 02, 2010 09:39PM |
| A:
A modification is not like a refinance where you are required to pay off al ... More |
| Q: In general, how much can I expect to pay in attorney fees for a loan mod, o... | Posted By: cotaone on Mar 02, 2010 09:09AM |
| A:
It really depends upon your mortgage payment and what your situation entail ... More |
| Q: I was out of work for over a year and am behind almost 20K on my mortgage. ... | Posted By: needhelp on Mar 01, 2010 09:16PM |
| A:
Yes it is. You sound like a great candidate for a loan modification. Please ... More |
| Q: Should I stop paying my mortgage to get a loan modification? I have been in... | Posted By: homehelp on Mar 01, 2010 03:47PM |
| A:
Be very careful about what you do to attempt a modification. There are 2 d ... More |
| Q: I'm in the process of doing a loan modification and I am 2 and 1/2 months b... | Posted By: tz719 on Feb 28, 2010 03:20PM |
| A:
If you are able to make your mortgage payments you should always do so. If ... More |
| Q: I have been in a work-out on a loan modification since aug 2009 my work-out... | Posted By: gmd4030 on Feb 27, 2010 12:05PM |
| A:
Wow! Please fill out the form on the Get Started tab and we will be in con ... More |
| Q: puedo calificar para Modeficasion | Posted By: anahielena on Feb 27, 2010 09:23AM |
| A:
Para poder decirle, llame a este numero (877) 702-9104. |
| Q: califico para Modificasion | Posted By: anahielena on Feb 27, 2010 09:22AM |
| A:
Para poder decirle, tiene que llamar este numero (877) 702-9104. |
| Q: I was denied a loan modification through BOA due to my mortgage payment is ... | Posted By: lovingjd on Feb 25, 2010 08:37AM |
| A:
There are other types of modifications besides the HAMP program. Please fil ... More |
| Q: are you required to wait a specific period of time after you have received ... | Posted By: chatty on Feb 21, 2010 05:54PM |
| A:
If there was any specific verbage in your modification agreement you should ... More |
| Q: We finally after more than six months obtain a Mortg. Mod. on our 1st mort... | Posted By: carlyjulio on Feb 21, 2010 12:03AM |
| A:
No this is not correct. Your line of credit is secured to your property. Y ... More |
| Q: We have spoken to a loan modification specialist who has recommended that w... | Posted By: aag on Feb 19, 2010 11:55AM |
| A:
It is illegal for anyone to tell you to stop paying your mortgage. Under t ... More |
| Q: When I purchased my home my Mother co-singed the loan. * She was living her... | Posted By: meems on Feb 15, 2010 06:29AM |
| A:
That is a good question. If she co-signed on your original loan she will ne ... More |
| Q: Hi, we just received a letter from US Bank saying we were approved for a lo... | Posted By: roliver81 on Feb 15, 2010 12:47AM |
| A:
This is a nasty game that lenders are playing. They try to stick you with t ... More |
| Q: Hi, we just received a letter from US Bank saying we were approved for a lo... | Posted By: roliver81 on Feb 15, 2010 12:47AM |
| A:
This is a nasty game that lenders are playing. They try to stick you with t ... More |
| Q: Due to many hardships past 3 years, we had to claim bankruptcy. For the pas... | Posted By: onlee on Feb 14, 2010 10:07AM |
| A:
Your question is one for a lawyer. I would suggest filling out a form on th ... More |
| Q: I was in loan modification program, paid for three months and then lost my ... | Posted By: gowri on Feb 13, 2010 06:39PM |
| A:
I'm sorry to hear that. If you signed your permanent modification paperwor ... More |
| Q: I just helped a friend who happens to have a "not so good" credit purchased... | Posted By: Glenn on Feb 13, 2010 12:34PM |
| A:
I don't think it is as easy as just returning the car. I believe you will h ... More |
| Q: If both spouses are on deed and mortgage in California, can modification be... | Posted By: sisterfriend on Feb 12, 2010 10:49PM |
| A:
Thank you for your quick response. |
| Q: Bank of America modified my 1st loan but denied my 2nd loan and put my home... | Posted By: tp2.com on Feb 12, 2010 09:53PM |
| A:
It sounds like you need the help of a professional. The banks don't always ... More |
| Q: Ive been waiting for my package from BOA for a few months. Ive just been in... | Posted By: adri on Feb 11, 2010 02:21PM |
| A:
Yes it is the normal procedure. They are willing to modify your loan as lon ... More |
| Q: My mortgage was 1730.00. .. I got a temporary remodification to 950. six m... | Posted By: NickZ on Feb 10, 2010 02:13PM |
| A:
I can't comment on whether or not your lawyer is giving you good advise. I ... More |
| Q: I have just received a package from BOA regarding loan modification with fo... | Posted By: oleg3333 on Feb 09, 2010 03:10PM |
| A:
If you would like the opportunity to have a lower monthly payment and not t ... More |
| Q: we have been told that we cannot qualify for a loan modification because ou... | Posted By: Don on Feb 08, 2010 11:57PM |
| A:
It really all depends upon your hardship at this point. You can either fil ... More |
| Q: We were finally approved for a trial modification 2 days ago. Today we rece... | Posted By: catnic55 on Feb 06, 2010 10:15PM |
| A:
It should, although I would recommend calling your bank to make sure. |
| Q: WHAT IS THE AVERAGE COST FOR A LOAN MODIFICATION | Posted By: TRANMERE on Feb 04, 2010 04:09PM |
| A:
The cost can vary between $2,000 to $4,000 depending upon your situation. ... More |
| Q: I went to the process of a loan modification, paid 3 trial payments plus on... | Posted By: Geo on Feb 03, 2010 08:09PM |
| A:
Now it's time to hire a professional to get the job done. The banks as you ... More |
| Q: I received notice from my mortgage co. that my monthly payment was increas... | Posted By: dale88 on Feb 03, 2010 10:09AM |
| A:
It sounds like you have the evidence to have your mortgage company correct ... More |
| Q: we already got a loan modification before payments when up and my home is n... | Posted By: alexsabib on Feb 02, 2010 03:00AM |
| A:
You need to find a company that will be able to help you obtain a new loan ... More |
| Q: When you get approved for a loan modification are your escrow for your taxe... | Posted By: Jackiedee2 on Jan 31, 2010 03:22PM |
| A:
9 times out of 10 your new modified monthly payment does include your taxes ... More |
| Q: After 1 1/2 years of working on our modification with Chase and about one y... | Posted By: Dantela546@aol.com on Jan 27, 2010 06:47PM |
| A:
I would recommend seeking the advise and help of a company that has experti ... More |
| Q: Got approved for a loan modidication back in Oct.09 I'v already started my ... | Posted By: adri on Jan 26, 2010 09:57AM |
| A:
First of all congratulations on working out a loan modification with Bank O ... More |
| Q: CAN A MOD BE DONE WITHOUT HURTING YOUR CREDIT SCORE.
I AM NOT BEHIND BUT M... | Posted By: ONEPRECISIONTUNE@AOL.COM on Jan 24, 2010 04:58PM |
| A:
It is possible to get a modification without going late on your payment. Al ... More |
| Q: CAN I GET A L/MOD WITH OUT GETTING BEHIND ?? | Posted By: ONEPRECISIONTUNE@AOL.COM on Jan 24, 2010 04:52PM |
| A:
It is possible to get a modification without going late on your payment. Al ... More |
| Q: How much does this cost me to do a loan modification through you. Our loan ... | Posted By: London on Jan 24, 2010 12:33PM |
| A:
Every company has a slightly different fee for this service. The important ... More |
| Q: I hired an attorney to apply for a loan modification. All the paperwork ha... | Posted By: joe on Jan 24, 2010 06:20AM |
| A:
In general the process of a modification take between 2-6 months. I would ... More |
| Q: i live in GA. have a sell date for foreclosure (2/2/10). Just received afte... | Posted By: ducci5306 on Jan 23, 2010 01:07PM |
| A:
Since I am not very familiar with GA foreclosure laws, I am not capable to ... More |
| Q: I am in the middle of a loan modification and was told that the bank had ex... | Posted By: roger on Jan 23, 2010 12:30PM |
| A:
It seems as if the bank is waiting to hear from you on your financial statu ... More |
| Q: my husband an I have had several medical issues the last 3years and have tr... | Posted By: tydrgi3 on Jan 22, 2010 11:00PM |
| A:
I am not sure why they are refusing the mod since they know you have been o ... More |
| Q: If your mortgage payment was 1700 a month and now you lost your job and you... | Posted By: Mitzi3389 on Jan 22, 2010 09:33PM |
| A:
Yes I believe this is certainly doable. Please fill out the form on this s ... More |
| Q: If you get a mortgage modification and then you find a job and you income g... | Posted By: Mitzi3389 on Jan 21, 2010 08:50PM |
| A:
A loan modification is an adjustment to your payment and will be fixedfor a ... More |
| Q: I bought my home in 2005. I have a 5 yr. interest only loan and was up to d... | Posted By: sunk on Jan 19, 2010 03:23PM |
| A:
This seems to be a very lender-specific type of question. I am sorry i can ... More |
| Q: I'm currently waiting for my modification to go thru. I'm 3 going on 4 pymt... | Posted By: djcobus on Jan 13, 2010 02:53PM |
| A:
If you are able to pay your mortgage then you should. If you are not then o ... More |
| Q: my husband has left the home for the past three months and we are currently... | Posted By: spleenab on Jan 12, 2010 09:22PM |
| A:
You may want to enlist the assistance of a professional modification expert ... More |
| Q: I have an appointment with Liberty Law Firm in Ontario. I am wondering if t... | Posted By: kris on Jan 12, 2010 02:19PM |
| A:
We have not had any bad reports on them, but then again we rarely have any ... More |
| Q: Can I get a loan mod for a loan I took out in Feb 09? | Posted By: feb09 on Jan 10, 2010 11:40PM |
| A:
Sure! But the question is what has happened in your financial status from F ... More |
| Q: on the form there's no number for the value of my home plus loan balance th... | Posted By: patchesgirl on Jan 08, 2010 12:12PM |
| A:
If that is the case, then none of the companies within our network are capa ... More |
| Q: could you tell me what company i should get please help i am desperatre th... | Posted By: patchesgirl on Jan 06, 2010 04:48PM |
| A:
Yes, I would fill out the form on this site www.loan-modifcation411.com and ... More |
| Q: If you start the loan modification process can you later cancel the loan mo... | Posted By: Have Faith on Jan 05, 2010 08:20PM |
| A:
Sure. The loan modification does not actually go into effect until the "mo ... More |
| Q: my mortgage company won't work with us they said that they sent me out pape... | Posted By: patchesgirl on Jan 04, 2010 11:14AM |
| A:
could you tell me what company i should get please help i am desperate than ... More |
| Q: We have been in the process of modifying our loan with Bank of America sinc... | Posted By: vvwalker on Jan 04, 2010 11:02AM |
| A:
This requires you to stay in constant communication with the loss mitigatio ... More |
| Q: [Removed by Administrator] | Posted By: Mike on Jan 04, 2010 11:01AM |
| A:
[Removed by Administrator] |
| Q: Can we get a second loan modification in C.A. When we started our first mod... | Posted By: DEBBIE on Jan 04, 2010 09:43AM |
| A:
If you cannot make the new modified mortgage payment without suffering, I w ... More |
| Q: My husband lost his job, found a new one, but he earnes less money now... t... | Posted By: JENNA on Jan 03, 2010 01:34PM |
| A:
This is crazy. I would hire a professional company to do a loan mod on you ... More |
| Q: Been tied up in a loan mod for half a year now. Litton, our mortgage co., a... | Posted By: hevhac on Dec 30, 2009 11:10AM |
| A:
Litton can be difficult to work with, they have a reputation for taking a L ... More |
| Q: I have lost my job and we only have one income from my wife. We applied fo... | Posted By: pmtanna on Dec 29, 2009 08:44PM |
| A:
ou need to cut through the baloney and get in touch with the Wells Fargo Of ... More |
| Q: I was denied a loan mod after 2 months with wachovia and started with world... | Posted By: dave on Dec 28, 2009 09:15PM |
| A:
I am not sure what you mean by "starting with world savings". who is actua ... More |
| Q: Two questions: Do I need to have a Freddie mac or Fannie mae lon to get a ... | Posted By: rjoseph on Dec 27, 2009 11:15AM |
| A:
Hi RJoseph, You do not have to have a GSE backed loan to get a modification ... More |
| Q: my loan was recently modified but im not happy with the terms can i modifie... | Posted By: jessenv on Dec 27, 2009 09:19AM |
| A:
Sure, but keep in mind that it will be a little tougher to do since they ha ... More |
| Q: Me and my wife are claiming EDD, are we qualify for loan modification?
wou... | Posted By: fancy on Dec 26, 2009 03:26AM |
| A:
If you claim EDD and have income, that certainly qualifies as income needed ... More |
| Q: Do Veterans Administration Diability payments count as income toward a mort... | Posted By: Sluggo on Dec 20, 2009 05:51PM |
| A:
Yes it definitely does. You will need to provide acceptable documentation o ... More |
| Q: we were 4 months behind in pymts and stated loan mod. today i received a no... | Posted By: barseven on Dec 18, 2009 01:09AM |
| A:
If you used a Law Group CALL them and INSIST that you speak with an Attorne ... More |
| Q: Hi
I want to refinance using the Obama plan to lower interest rate but whe... | Posted By: coolmoon on Dec 16, 2009 10:34AM |
| A:
This site really focuses on Loan Modifications. For refinances, please go ... More |
| Q: I have finished my 3 month trial period om my home mod.on November 1st was ... | Posted By: Honl00 on Dec 15, 2009 11:37PM |
| A:
This is a very difficult question and one that is best asked of an attorney ... More |
| Q: Please help, our bank has agreed to allow us to modify our mortgage. We rec... | Posted By: myhouse on Dec 15, 2009 10:25AM |
| A:
Was this the trial period? Our bank sent us some mod papers and I am wonde ... More |
| Q: So let me get this correct. . . .you're company doesn't even process the Lo... | Posted By: Jack on Dec 11, 2009 11:54AM |
| A:
Once you fill out the form, you will be contacted by 2 loan modification co ... More |
| Q: Whaat telephone number can I give to others I know in need of this type of ... | Posted By: Emily M on Dec 10, 2009 11:24AM |
| A:
Please refer them to this site: www.loan-modification411.com |
| Q: Thanks for your previous response. I still have the documents I need to not... | Posted By: mojack237 on Dec 09, 2009 10:19PM |
| A:
I am afraid I cannot do that as it bared responsibility. |
| Q: I am married however my husbands name is the only one on the home loan - do... | Posted By: Crystal on Dec 04, 2009 07:28AM |
| A:
The answer is NO you are not required to include your income as part of the ... More |
| Q: I qualified for the modification program. I am currently making payments fo... | Posted By: mojack237 on Dec 02, 2009 12:14AM |
| A:
Well the key points to always pay attention to is the new rate/payment and ... More |
| Q:
I was 4 months behind in my mortgage and appl... | Posted By: gee49 on Nov 29, 2009 12:58PM |
| A:
Well, if I understand it correctly, a home equity loan does not make much s ... More |
| Q: Hello, I have been pre-approved for a BAC home loan mod. I just found out t... | Posted By: max on Nov 28, 2009 12:33AM |
| A:
actualy i just received a pre-appproved letter from bac home loan for a mod ... More |
| Q: hi my name is maria iam 3 months behind my mortgage. The bank served me my ... | Posted By: helpmaria on Nov 25, 2009 10:21AM |
| A:
I would definitely try to modify your home loan if you would like to stay i ... More |
| Q: BOA has post a statment on my accout that I have been approved for a loan m... | Posted By: adro on Nov 23, 2009 05:00PM |
| A:
That seems like good news to me. That means your loan has been modified. I ... More |
| Q: My husband has Parkinson's Diease his company has placed him on disablity. ... | Posted By: phill13441 on Nov 21, 2009 06:13PM |
| A:
Medical hardships definitely qualify you for loan modifications. I would p ... More |
| Q: The banks have more restrictions to qualify for loan modification in which ... | Posted By: deezone on Nov 21, 2009 08:45AM |
| A:
That is a great question and it is a very justified one. However, you have ... More |
| Q: if you have equity in your home does that disqualify you? | Posted By: cweav00@hotmail.com on Nov 18, 2009 10:33PM |
| A:
I applied for a Home Modification loan with Chase. I was placed on a trial ... More |
| Q: If the Loan Modification of reducing my payment is established, doesn't tha... | Posted By: fely537 on Nov 16, 2009 09:52AM |
| A:
No because you will be making the new reduced payments on time. so outside ... More |
| Q: what happens if you are going throw the loan modification and you are to ma... | Posted By: wrong info on Nov 10, 2009 10:31AM |
| A:
This is really difficult to answer as it seems as if this is very specific ... More |
| Q: Does a loan modification affect your credit if I am not behind on my paymen... | Posted By: rubyt on Nov 10, 2009 10:21AM |
| A:
I am looking for answers to this question myself, but personally did receiv ... More |
| Q: Finally got approved by Bank of American for a loan modification. What is t... | Posted By: adro on Nov 10, 2009 10:20AM |
| A:
how were you notified that you were approved, they contacted us via fed ex ... More |
| Q: How does a company get to be a part of your recommended list?
Judy | Posted By: jrobbins on Nov 08, 2009 09:10AM |
| A:
We don't really "recommend" any website, we merely connect them with custom ... More |
| Q: We recently signed a loan modification with B of A (on a jumbo loan,in Cali... | Posted By: marisole on Nov 06, 2009 05:28PM |
| A:
Yes. It seems like B of A gave you a repayment plan and not a modification. ... More |
| Q: How much is the fee?
| Posted By: Rolando on Nov 04, 2009 10:58PM |
| A:
It depends on the company you get matched up with on this site, but typical ... More |
| Q: I just got appoved for a loan modification. What is the next steps? I'm cur... | Posted By: adro on Nov 04, 2009 08:55PM |
| A:
I am not sure what you mean when you say you were approved for a loan modif ... More |
| Q: What is a monthly trial period peymant? | Posted By: noel508 on Nov 03, 2009 04:37PM |
| A:
It's the payment that your lender requires to test whether or not you're go ... More |
| Q: I have been sending in payments to IndyMac bi-weekly and they have been hol... | Posted By: jwgddg on Oct 21, 2009 05:23PM |
| A:
Every bank has special terms and conditions regarding payment receipt. Are ... More |
| Q: i may have a judgement against me, my wife and i are trying to get a home... | Posted By: jbaby67 on Oct 21, 2009 04:15PM |
| A:
Credit scores are not at all important as it pertains to loan modifications ... More |
| Q: What is your charge for a loan modification? | Posted By: mriviera on Oct 16, 2009 09:10PM |
| A:
Every company charges different fees. They range from 2000 to 2500 and som ... More |
| Q: I applied for a loan modificaion with a company in August 09. The lender sa... | Posted By: adri on Oct 08, 2009 10:03AM |
| A:
Surprise, Surprise.........
Your lender LIED to you about not receiving an ... More |
| Q: I am current on my Chase mortgage (jumbo loan) and am self-employed and due... | Posted By: gah993 on Oct 06, 2009 09:19PM |
| A:
Since every bank is different and things change all the time, I would call ... More |
| Q: I filed Chapter 13 January 2008 to avoid foreclosure and I recently submitt... | Posted By: Redlady on Oct 06, 2009 06:14PM |
| A:
Every deal is different. With regards to the Cahpter 13, you must consult a ... More |
| Q: i am divorced my ex wife has the house and was not allowed to be more than ... | Posted By: vicki0726 on Oct 06, 2009 08:24AM |
| Q: I am 3 months behind in my mortage payments can the bank forclose on my hou... | Posted By: adri on Oct 05, 2009 07:58PM |
| A:
Yes the lender has acknowledged the start of my loan modification.
I do be ... More |
| Q: The loan modification company you referred me to (National Asset Protection... | Posted By: No Refund Recieved on Oct 01, 2009 03:01PM |
| A:
Did they complete a successful modification? No.
Are you still in the wa ... More |
| Q: About on average how long do it take to get approve for a loan modification... | Posted By: black on Sep 30, 2009 06:10PM |
| A:
2 weeks is a bit too optimistic, but things are a lot more streamlined than ... More |
| Q: My dad applied for a loan modification and he has 3 months payment months b... | Posted By: quitosky on Sep 29, 2009 07:33PM |
| A:
Well, it is very tough to tell with any degree of accuracy exactly what is ... More |
| Q: I bought my house 4 years ago. I got 5 years ARM. So my interest rate will ... | Posted By: Daniela on Sep 25, 2009 12:42PM |
| A:
I think that you should approach the bank directly and tell them your situa ... More |
| Q: If my mortgage is mre than $729,750 but I can prove that I am having hadrsh... | Posted By: salojak on Sep 24, 2009 06:59AM |
| A:
Well, the fact that you have savings is not great for loan modification. I ... More |
| Q: Our first mortgage is currently held with Bank of America and it is NOT bac... | Posted By: struggleinTX on Sep 23, 2009 07:24AM |
| A:
This is what my dad did and sure enough, his credit scores was ruined inclu ... More |
| Q: I am not behind (nor have I ever been)on payments with my current mortgage ... | Posted By: k8edarlin on Sep 21, 2009 10:20PM |
| A:
Probably what happened was you called about the Making Home Affordable modi ... More |
| Q: Can an individual qualify for a loan remodification if they have too much c... | Posted By: carlb on Sep 20, 2009 07:40PM |
| A:
It really all depends. IRAs are different than checking accounts, but in g ... More |
| Q: Why are the banks not accepting a mortage payment while you are waiting fo... | Posted By: homewrecker on Sep 19, 2009 02:38PM |
| A:
I am not sure if all banks are the same. Obviously when in need of a mod, ... More |
| Q: WHEN THEY SAY 100% REFUND GUARANTEED,DOES THAT MEAN I'LL STILL GET THE MONE... | Posted By: CHAINSAW on Sep 17, 2009 05:07AM |
| A:
Well, it is really difficult to predict with accuracy what exactly your len ... More |
| Q: Our credit scores are below 500. Can we still qualify for a loan remodific... | Posted By: Arkanshane on Sep 15, 2009 03:11PM |
| A:
I was 4 months behind in my mortgage and applied for a loan modification wh ... More |
| Q: I have no checking account and lender is turning me down for a loan modific... | Posted By: helpless on Sep 15, 2009 02:43PM |
| A:
Since you are already in foreclosure, my recommendation would be to consult ... More |
| Q: I filed chapter 7 and was discharged a year ago. I included my mtg. loan c... | Posted By: help in this economy on Sep 10, 2009 10:56AM |
| A:
I would certainly consult with a bankruptcy lawyer on this. This is certai ... More |
| Q: JP Morgan Chase denied my request for modification based on my "housing deb... | Posted By: debbie23 on Sep 09, 2009 10:36AM |
| A:
All I can say is that every lender/servicer has different guidelines for th ... More |
| Q: We are in the process of getting a MOD Loan. If I was to get rid of my truc... | Posted By: Poland8 on Sep 08, 2009 10:31AM |
| A:
As a general rule, if you have a loanmod approval pending and are in a hold ... More |
| Q: Hi I have 5 addoptive children ages 5-14. We rec'd adoption assistance fro... | Posted By: russhaste on Sep 05, 2009 09:29AM |
| A:
Yes. i believe it is too also. |
| Q: Hi! My mortgage is with Citibank for $312,000, 5.875% 30 yr fixed, $1972mo,... | Posted By: helpmeinca on Sep 02, 2009 11:36PM |
| A:
As much as I hate to promote myself, I think the best approach would be to: ... More |
| Q: How do I know if Loan Modification is right for me
| Posted By: knomar63 on Sep 02, 2009 07:40PM |
| A:
Well, there are 3 simple questions to answer yourself. Depending on the an ... More |
| Q: It is 5 months since I applied for a loan modification (faxed in all paperw... | Posted By: HelpUs on Aug 31, 2009 02:19PM |
| A:
Would it be a good idea at this point to file a chapter 13 to get my paymen ... More |
| Q: on writing a hardship letter on my expenses if i go over of what i make doe... | Posted By: chula68 on Aug 31, 2009 12:02AM |
| A:
Well the hardship letter is supposed to explain to the lender why you canno ... More |
| Q: To get a loan modification, does our house have to be at risk?? | Posted By: veronica on Aug 27, 2009 10:27PM |
| A:
Yes indeed. The only reason a lender would negotiate with you would be if y ... More |
| Q: My name is Christopher Rockey and I am the Director of Education for Mortga... | Posted By: Rockey on Aug 26, 2009 05:46PM |
| Q: do I have to make my mortgage payments while my loan modification is in pro... | Posted By: STNAN on Aug 24, 2009 02:26PM |
| A:
Thanks, loanmodpro, for your answer. I think my lender's practice is outrag ... More |
| Q: Is the response that I get from my mortgage company the only option that I ... | Posted By: gra6mt4 on Aug 24, 2009 12:36AM |
| A:
Well typically the answer that you get from a lender is indicative to what ... More |
| Q: We have an ARM loan, that was supposed to be used by people buying a home a... | Posted By: socailworker on Aug 24, 2009 12:34AM |
| A:
My number is 714-222-7343 |
| Q: my house is protected under ch 13 bankruptcy, im 2mts behind they are press... | Posted By: perla on Aug 23, 2009 10:25PM |
| A:
It is my personal opinion that since you have filed for bankruptcy, your ho ... More |
| Q: I am working with Chase on my loan modification and if I am reading correct... | Posted By: nbkt42o on Aug 23, 2009 06:57PM |
| A:
You are correct in assuming that loan modifications should not be based on ... More |
| Q: I was given a verbal agreeement from AHMSI of a modification agreement. Ho... | Posted By: manlanbi on Aug 21, 2009 06:40PM |
| A:
Thank you for the response. The approval was made one week ago |
| Q: I'm currently going through a loan modification (loss mitagation) process w... | Posted By: kgaynes on Aug 21, 2009 03:10PM |
| A:
No, food & utilities, etc... are not considered debt, but they are expenses ... More |
| Q: In North Carolina is it illegal for me to have anyone that isn't and attorn... | Posted By: Gem on Aug 20, 2009 02:15PM |
| Q: how can I get my money back for one of these awful companys!!!Better home r... | Posted By: SeanFitzpatrick on Aug 17, 2009 02:24PM |
| A:
Sean, did you have a |
| Q: I filed a chapter 13 bankruptcy & would like to know if i can get a loan mo... | Posted By: roadrider on Aug 17, 2009 11:19AM |
| A:
Well, to be 100% honest with you, it is going to be much more difficult to ... More |
| Q: I WAS TOLD THAT MODIFICATIONS IF LEGIT ARE A FREE SERVICE BY GREENTREE NORT... | Posted By: DODDIE on Aug 12, 2009 10:22AM |
| A:
Well, this is true with most lenders. Most lender and mortgage servicers t ... More |
| Q: I had a Loan Mod in process with Bank of America and they sold the servicin... | Posted By: RMAC on Aug 11, 2009 08:43AM |
| A:
I do not think it is to the bank's advantage to be using such tactics. As ... More |
| Q: We have already signed and sent back in the loan mod paperwork sent from th... | Posted By: brittiany2 on Aug 10, 2009 03:35PM |
| A:
Sure, it is always the best practice to continue making the payments that y ... More |
| Q: Yes, there have been quite a few successful mods with JP Mortgage Chase. Ar... | Posted By: vilmanita on Aug 09, 2009 09:03PM |
| Q: Do you have to get an appraisal to get a loan modification? | Posted By: suzid on Aug 07, 2009 10:07PM |
| A:
No an appraisal is not necessary. A loan modification is not about the val ... More |
| Q: I have used this loan modification. Sean Porter was the person I was dealin... | Posted By: jhnriley4 on Aug 07, 2009 08:01AM |
| Q: house I live in is currently in probate and will be passed to me on a non q... | Posted By: desperate on Aug 07, 2009 12:16AM |
| A:
I answered to your previous post. i think you do qualify. |
| Q: the property is in probate and is 5 months behind,can i still do a modifica... | Posted By: desperate on Aug 07, 2009 12:14AM |
| A:
Sure, I think you should be able to, but I would really get the probate law ... More |
| Q: We have a piggyback loan 80/20 and we started negotiating a loan modificati... | Posted By: spoonhouse on Aug 03, 2009 10:49AM |
| A:
Since the 2 loans are from 2 different lenders, I do not believe they will ... More |
| Q: I'm not behind in payments can I qualify?
If I get a loan modification and... | Posted By: jfsmith60 on Aug 03, 2009 07:40AM |
| A:
Based on the new Obama plan, you do not need to be late on mortgages to get ... More |
| Q: Has anyone been approved by JP Mortgage Chase? | Posted By: vilmanita on Aug 02, 2009 02:15PM |
| A:
Yes, there have been quite a few successful mods with JP Mortgage Chase. A ... More |
| Q: My Ex Husband was awarded house in divorce 8 yrs ago. I am unfortunately st... | Posted By: Sharon on Aug 01, 2009 06:08PM |
| A:
Were you actually still making payments on the mortgage during the last 8 y ... More |
| Q: We are in the process of loan modification with our lender and we are two m... | Posted By: devinajera on Jul 31, 2009 01:03AM |
| A:
It seems as if the letter you have received is from a department in your le ... More |
| Q: What is Loan-Modication411's fee and how is payable? | Posted By: tome on Jul 28, 2009 05:49PM |
| A:
Loan Modification4111.com does not require any fees whatsoever. This site ... More |
| Q: Can Wells Fargo process a loan modification for my ex without my consent if... | Posted By: Sharon on Jul 28, 2009 10:48AM |
| A:
Were you still making payments on this loan? Do you have proof to support i ... More |
| Q: Is this a legitimate agency company? | Posted By: Kathy on Jul 22, 2009 11:47AM |
| A:
I am not sure who you are referring to? If you are talking about loan-modi ... More |
| Q: Has anyone used a company called Better Home Relief
| Posted By: Chiliann on Jul 15, 2009 11:30PM |
| A:
We have not had any dealings with them. You might want to check ripoffrepo ... More |
| Q: If the value of my house has gone down in the previous year, is a loan modi... | Posted By: ezequiell on Jul 13, 2009 12:27AM |
| A:
Essentially that's what a modification does. However, there needs to be har ... More |
| Q: does loan modification 411 back lincoln national group with there company? | Posted By: reakeon on Jul 10, 2009 07:36PM |
| A:
Loan-modification411.com does not officially endorse any loan modification ... More |
| Q: they are charging a fee and it is broke down over 3 payments.they also have... | Posted By: reakeon on Jul 10, 2009 07:25PM |
| A:
Well the only real way to find out is to pull the trigger and move forward. ... More |
| Q: has anyone delt with lincoln national group out of new jersey they said the... | Posted By: reakeon on Jul 10, 2009 06:55PM |
| A:
Well if they provide you with a money back guarantee it does significantly ... More |
| Q: i was told not to make the mortgage payment to save it and to hold it not t... | Posted By: reakeon on Jul 10, 2009 02:32PM |
| A:
It's NOT good advice. This is why. The new "Obama Plan" also helps people w ... More |
| Q: I'm unemployed and receiving EDD, can i get qualified for modification? | Posted By: vilmanita on Jul 10, 2009 02:09AM |
| A:
Generally speaking, it's not likely. To get a modification you need to show ... More |
| Q: my landlord has a home property he lives in and approximately 11 additional... | Posted By: rg on Jul 09, 2009 07:23PM |
| A:
Are you renting from a landlord who is in foreclosure on his properties? If ... More |
| Q: can you do a loan modification on investment property? Property that you r... | Posted By: rg on Jul 09, 2009 07:15PM |
| A:
This is going to depend on the state you are located in. Some banks have do ... More |
| Q: once the bank puts on their 3 months trial is that mean that I'm approve al... | Posted By: vilmanita on Jul 09, 2009 04:25PM |
| A:
Each bank has their own process and policies. It's difficult to speculate y ... More |
| Q: what about the profit of the house, would i keep all the equity of the hous... | Posted By: vilmanita on Jul 09, 2009 01:31PM |
| Q: if the bank lower my principal loan what will happen in the future if i wan... | Posted By: vilmanita on Jul 09, 2009 01:11PM |
| A:
You would have to see if that issue gets addressed in your new mortgage con ... More |
| Q: What do I need from a homeowner to approach the bank if I am trying to help... | Posted By: JoyInMiami on Jul 06, 2009 06:59PM |
| A:
There are a few documents that you will need. You can purchase the DIY kit ... More |
| Q: We have a 1st and 2nd mortgage. Our 1st has about 17 out of 20 years left ... | Posted By: sherlaud on Jul 04, 2009 01:15AM |
| A:
The mortgages will most likely be treated separately if they are coming fro ... More |
| Q: when applying for home modification program they asked for gross income i g... | Posted By: grandma on Jul 02, 2009 12:39AM |
| A:
You should immediately contact your modification company and ask them. Modi ... More |
| Q: Does a loan modification require an escrot account | Posted By: Frustrated on Jun 30, 2009 05:36PM |
| A:
If you meant escrow, it's typically not needed. Most modification companies ... More |
| Q: I am currently at the tail end of my divorce. I was under the impression th... | Posted By: gmcsuvgirl on Jun 25, 2009 06:09PM |
| A:
A divorce is certainly a hardship and the fact that you cannot afford the p ... More |
| Q: If i try loan midificaation through my mortgage company and do not like my ... | Posted By: kelvin on Jun 24, 2009 08:31AM |
| A:
Well, sure. However, it might be a better idea to hire a lawyer or a reput ... More |
| Q: I was just declined Loan Modification by my mortgage company. I did applie... | Posted By: aquasjkam on Jun 23, 2009 12:51PM |
| A:
Sure. if you hire professionals, make sure you tell them exactly what happ ... More |
| Q: As the owner of a co-app, do I qualify for a loan modification? | Posted By: mmehremic on Jun 22, 2009 12:05PM |
| A:
Yes you do. any "real estate property" which is backed by a mortgage loan ... More |
| Q: Is oral updating of the financial effective for the approval of the loan mo... | Posted By: dilen on Jun 22, 2009 02:22AM |
| A:
No. As best practices, it is best to document every communication you have ... More |
| Q: What are the criteria to be approved for the loan modification?
| Posted By: dilen on Jun 22, 2009 02:10AM |
| A:
Well, the basic criteria in simple terms is that if you cannot afford your ... More |
| Q: What is the debt to income ratio that is required in order to be able to qu... | Posted By: on Jun 18, 2009 07:08PM |
| A:
I am sure you mean expense to income ratio. Every bank uses a different num ... More |
| Q: Is there a dept to income ratio that is required in order to qualify for a ... | Posted By: pbmavrakis on Jun 18, 2009 04:44PM |
| Q: Does a Jennie Mae loan qualify for a loan modification program, where the l... | Posted By: rjkrossman on Jun 11, 2009 01:30AM |
| A:
Any mortgage that is in danger of entering foreclosure is a good candidate ... More |
| Q: how long does it take..to find out..from a lender if your approved for loan... | Posted By: rexielant on Jun 10, 2009 08:34AM |
| A:
Visit http://hstrial-oswingrant.homestead.com for more free loan modificat ... More |
| Q: I got my loan modification papers but I do not agree with it what can I do? | Posted By: valerie24 on Jun 09, 2009 08:47PM |
| A:
Well, depdning on who negotiated this, you can make a counter offer to the ... More |
| Q: I have 2 loans with CitiBank. They offer to modify the second loan for now... | Posted By: ca_in_trouble on Jun 05, 2009 08:13PM |
| A:
I am not sure if that is true. You are still liable for the second mortgage ... More |
| Q: If I received a grant for down payment when I first closed on my home, is t... | Posted By: lisado on Jun 03, 2009 10:32AM |
| A:
Not really sure what you mean, but I do believe it does not matter whether ... More |
| Q: Do I have to come up with a down payment to do a loan modification. It's ob... | Posted By: lisado on Jun 03, 2009 10:28AM |
| A:
No, a mortgage modification is more similar to a refinance. There is no dow ... More |
| Q: what is the deal with the 100% refund policy? I assume that the fees are pa... | Posted By: rogbeckley on May 30, 2009 08:07AM |
| A:
Yes you are. Typically loan modifcation companies will pre-qualify you (de ... More |
| Q: How much do loan modifications cost. I have heard that they are expensive. ... | Posted By: rogbeckley on May 29, 2009 01:19PM |
| A:
Yes, I figure somewhere betweem $2000 to $2500. Depends on the firm. I re ... More |
| Q: Do I need to be late on my mortgage to obtain a modification? | Posted By: rap on May 28, 2009 03:20PM |
| A:
It used to be that you needed to be late, but with the new Obama plan kicke ... More |
| Q: Do financial institutions charge a modification fee? | Posted By: ct7630 on May 27, 2009 02:27PM |
| A:
The actual lenders/mortgage servicers usually do no, however, most companie ... More |
| Q: i am currently in a loan modification program with my morgage company but i... | Posted By: thanxs on May 23, 2009 04:20PM |
| A:
Yes, I believe if your current situation is not working, you should certain ... More |
| Q: my current loan docs show an error. I heard an interview on television, st... | Posted By: blackmntn on May 23, 2009 03:22PM |
| A:
Well, the kind of errors that are valuable in negotiating a loan modificati ... More |
| Q: I had a mod on my 80/20 mortgage. Only the 80% was modified. Can I get ano... | Posted By: phillypcp on May 21, 2009 04:31PM |
| A:
First off, congrats on the new baby! That is great news. i am sure, he/sh ... More |
| Q: I am in the process of getting a loan modification.
Right now, I have 2 mo... | Posted By: Nan's house on May 19, 2009 05:25PM |
| A:
The main quesiton is whether or not you can afford this new payment. If so ... More |
| Q: Where can I get a loan modification without money up front? | Posted By: Linda on May 18, 2009 07:09PM |
| A:
Try to get a quote on http://www.loanlitigators.com |
| Q: I have two properties, I am doing a loan modification for my primary reside... | Posted By: ah647 on May 16, 2009 12:56PM |
| A:
Well the banks/lenders are certainly a lot more willing to do a modificatio ... More |
| Q: I was in danger of getting behind so I decided to lease my condo out for 1 ... | Posted By: LMP on May 15, 2009 12:08PM |
| A:
It used to be that you could only get a loan modified if you were behind on ... More |
| Q: Can a mortgage company do a loan modification without the consent of the se... | Posted By: Le on May 14, 2009 08:37PM |
| A:
Since a Loan Modification is actually "modifying" the original contract or ... More |
| Q: We've got a complicated situation: A 4-unit conforming first mortgage with ... | Posted By: califhomeowner on May 12, 2009 05:20PM |
| A:
What I would recommend is to fill out the form on this site: www.loan-modif ... More |
| Q: I've hired a service to help me get my loan modified. They are preparing to... | Posted By: clo on May 06, 2009 09:12PM |
| A:
Well, if they violated any lending laws and did not make the necessary and ... More |
| Q: I have a jumbo loan 1st and 2nd total loan amounts $750,000. I bought the ... | Posted By: lsato on May 04, 2009 11:17AM |
| A:
Well, sure! The new Obama plan provides incentives for lenders to do loan m ... More |
| Q: Do I have to be late on my mortage for Wells fargo to consider loan modific... | Posted By: Helpplease on May 01, 2009 12:44PM |
| A:
I am not really sure about Wells Fargo in general. The new Obama plan provi ... More |
| Q: HAS ANYONE HEARD OF AND GOT A LOAN MODIFICATION THROUGH UNITED HOUSING RELI... | Posted By: MONICA on Apr 29, 2009 02:15PM |
| A:
As far as I am concerned, they are a fraud. They accepted my $$, did not d ... More |
| Q: If I am living in Connecticut and have entered into a "bad" loan modificati... | Posted By: Estoria K on Apr 29, 2009 02:04PM |
| A:
It all depends on the lender, but I would guess they would pick up where th ... More |
| Q: We have tried to get a loan modifiaction on our home twice with our lender ... | Posted By: rojo3838 on Apr 29, 2009 12:55PM |
| Q: I am current on my mortgage payments, but having difficulties paying it due... | Posted By: MariaUSA on Apr 28, 2009 12:57PM |
| A:
Thank you for information. |
| Q: i am making money but i work 12 hrs/day 6 days/week,i am 47 year old alread... | Posted By: in despair on Apr 24, 2009 09:51PM |
| A:
My first question to you is do you have any equity in the house? Do you lik ... More |
| Q: Where do I find the individual State requirements for providing Loan Modifi... | Posted By: Jacob on Apr 24, 2009 08:38PM |
| Q: We bought our home in July 2006 for $540,000 and have a 5/1 Interest Only l... | Posted By: owner2007 on Apr 23, 2009 03:20PM |
| A:
At this point since you are still current on your payments and have not suf ... More |
| Q: My mortgage company is requesting my 2008 tax returns and it will show some... | Posted By: Nicole Wallace on Apr 22, 2009 12:25PM |
| A:
It really depends on the mortgage company. What they are mainly looking fo ... More |
| Q: What are the typical fees for assisting someone with a loan modification? | Posted By: Karen Lauppe on Apr 21, 2009 04:58PM |
| A:
The fees vary depending on whether it is a law firm or a loan modificaiton ... More |
| Q: How does it work, once your attorney works with the lender, should it be in... | Posted By: Trouble on Apr 09, 2009 08:44AM |
| A:
Yes, absolutely. You will have ht enew and "modified" loan terms that is p ... More |
| Q: I have a 1st loan and a 2nd loan, now all I know from paying my monthly mor... | Posted By: Trouble on Apr 09, 2009 08:19AM |
| A:
Well, you should be able to call the number on your monthly loan statement ... More |
| Q: We bough our house in 2006 with adjustable mortgage after dec 2012 it will ... | Posted By: Mechudita on Apr 08, 2009 08:39PM |
| A:
My recommendation is to keep making your payments for now until such time t ... More |
| Q: My sister-in-law and I purchased a home four years ago. The house is in he... | Posted By: thegoodtimesareover on Apr 07, 2009 10:10PM |
| A:
I am not really sure what is going on here. What I would do is ask your si ... More |
| Q: I got married two years ago. I had property (condo) and my husband too. Ac... | Posted By: mila on Apr 07, 2009 09:23PM |
| A:
Well you may be if you are indeed living in both. You just have to apply f ... More |
| Q: Loan Modification services 2967 Michelson Dr Suite # G 330 Irvine CA 92612 ... | Posted By: barcikoski on Apr 06, 2009 06:58PM |
| A:
Scott B. Hayward of Hayward Law Group.
1-866-559-1213 |
| Q: Our home was purchased in July, 2007 for $168,000, 30-year fixed at 6.25%. ... | Posted By: just asking on Apr 03, 2009 05:06PM |
| A:
In my opinion, your rate of 6.25% is OK, but you can certainly get better r ... More |
| Q: I got divorced over 6 years ago and in the divorce decree my husband got a ... | Posted By: cozmo on Apr 03, 2009 11:10AM |
| A:
This is a tricky question since is not merely related to "loan-modification ... More |
| Q: Does The Money That You Dont Pay Each Month Does It Go On The Back Side Of ... | Posted By: rrifletwo@aol.com on Mar 31, 2009 04:45PM |
| A:
Every loan modificaiton agreement is different. in some cases, some of the ... More |
| Q: i have an 80/20 mortgage loan . the second loan has to be paid in full in 7... | Posted By: caldenn on Mar 28, 2009 01:19PM |
| A:
You say the second mortgage has to be paid in 7 years. What year will that ... More |
| Q: if I'm im Bankrupty can i still apply for loan modification? | Posted By: Bynum18 on Mar 27, 2009 10:33AM |
| A:
It makes it a lot tougher while in bankruptcy to do a loan modification. M ... More |
| Q: i just purchased my home in december through Chase and havent made one paym... | Posted By: longordop on Mar 25, 2009 07:07PM |
| A:
I lost my job as soon as I purchased it. |
| Q: in mortgage biz 21 years--how does my company realtors,attorneys get compe... | Posted By: BestRateHere@aol.com on Mar 24, 2009 05:24PM |
| Q: wHAT ARE THE FEES INVOLVED? | Posted By: RUTH on Mar 18, 2009 04:07PM |
| A:
This depends on the company you choose to go with. The fees typically vary ... More |
| Q: How much do they typically lower the interest rate and do they base the pay... | Posted By: nancydh6 on Mar 16, 2009 03:11PM |
| A:
This really depends on several factors the most important being: 1) Your cu ... More |
| Q: Does a 10 year interest only and a 9.85% 2nd qualify for loan modification? | Posted By: snovak1977@yahoo.com on Mar 13, 2009 04:08PM |
| A:
it is not actually the "type" of loan and interest rate that determines you ... More |
| Q: How do I contact your office? | Posted By: Louise Matthews on Mar 13, 2009 11:46AM |
| A:
You can e-mail us at info@loan-modification411.com. |
| Q: I have been late on my last months payment 10days after the grace period. I... | Posted By: mailman on Mar 11, 2009 10:52PM |
| A:
Best candidates for loan modifications are homeowners who are 1 or 2 mortga ... More |
| Q: i have a 80/20 loan will i be able to get a modification for both loan or j... | Posted By: mailman on Mar 11, 2009 10:47PM |
| A:
Yes, if they are both with one lender, it is a lot easier. Typically the m ... More |
| Q: does countrywide have a loan modification program?
| Posted By: mailman on Mar 11, 2009 10:46PM |
| A:
They sure do. the number we have for their loss mitigation is: Countrywide ... More |
| Q: I have owned by home since 1986 and I paid it off in 1991 and had no mortga... | Posted By: Nevada2009 on Mar 11, 2009 07:30PM |
| A:
I am not really sure about "Home Equity only" loans. Most of what we have ... More |
| Q: I am a senior with a pension of total $1800 a month. Does that qualify as ... | Posted By: ruffsoft on Mar 09, 2009 02:33PM |
| A:
Sure! has your mortgage rate increased or you experienced any other financ ... More |
| Q: Me and wife are employed and with a stable job.But due to some unexpected ... | Posted By: Columbia on Mar 05, 2009 06:53PM |
| A:
It looks as if you are a good candidate for loan modification. SInce your ... More |
| Q: After purchasing my home in 1998 I became disabled. I receive social securi... | Posted By: jl1026 on Mar 05, 2009 12:03PM |
| A:
Well, the reason they ask about your employment, is because for the lenders ... More |
| Q: I called my Mortgage Co for a loan modification because my taxes just about... | Posted By: parisgirlonly on Mar 03, 2009 07:05PM |
| A:
Also to add to this point, they may have denied the modification if they se ... More |
| Q: Can I start a loan modification if my house is in short sale? | Posted By: beto on Mar 02, 2009 05:38PM |
| A:
Yes, if the loan gets modified, it will just cancel out the short sale. |
| Q: If my wife just lost her job can we still do our loan modification?
| Posted By: loanmod4me on Mar 02, 2009 02:46PM |
| A:
If your wife's job contributed a good portion to your monthly income where ... More |
| Q: How can i obtain the One Touch Modofication Program offered by Citimortgage... | Posted By: erjrinla@aol com on Mar 02, 2009 01:55PM |
| A:
Here is the phone number for Citimortgage's loss mitigation department: (8 ... More |
| Q: I'm more than 12mts late with my mortage because I can't afford it, can I s... | Posted By: help please on Feb 27, 2009 06:46AM |
| A:
It's going to depend on your specific situation. There is no set criteria f ... More |
| Q: Me and my husband owne 2 houses one in which we live, and the other we are ... | Posted By: Jessica on Feb 25, 2009 02:43PM |
| A:
we can help you www.savingamericanhomes.net
|
| Q: If I got a loan modification about a year ago can I ask for another one | Posted By: michaelsupplies on Feb 24, 2009 07:05PM |
| A:
Sure. It depends on the lender, but if you have held up your end of the ba ... More |
| Q: If you are under a loan modification program with your mortgage company, ca... | Posted By: homehunters on Feb 24, 2009 11:11AM |
| A:
Yes, when your loan is modified, it is permanent and you can think of it as ... More |
| Q: How much does a loan modification cost? If I'm 14mts late on my mortage and... | Posted By: ddookhoo1@aol.com on Feb 24, 2009 09:23AM |
| A:
The cost depends on the company you work with, but they general range betwe ... More |
| Q: We really need help but I do not know where to turn. Our mortgage co. sent... | Posted By: Jackie on Feb 11, 2009 08:24PM |
| A:
First off, i recommend to STOP worrying. Worrying does not help anything a ... More |
| Q: I qurrently agreed on a loan modification, but it was more than i was payin... | Posted By: kirby on Feb 11, 2009 11:36AM |
| A:
It sounds like they have their head up their you know what. This is crazy. ... More |
| Q: Has anyone used a company called Better Home Relief? | Posted By: concerned on Feb 10, 2009 04:09PM |
| A:
these people are scam!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! |
| Q: I just lost my job and it is unlikely that I will get another one paying as... | Posted By: pablodgar on Feb 10, 2009 02:28PM |
| A:
I believe so. PLease keep in mind that 3 conditions must exist to make you ... More |
| Q: should you work with a company for loan modification within the state you ... | Posted By: concerned on Feb 09, 2009 09:56PM |
| A:
Not necessarily although it might help on several fronts: same timezone, s ... More |
| Q: How do I choose a company to use for loan modification? There are so many ... | Posted By: concerned on Feb 09, 2009 09:51PM |
| A:
You might also want to check out www.modfraud.org. They provide a free ser ... More |
| Q: can you qualiofy for this program if u filed bankruptcy recently
| Posted By: felisha on Feb 07, 2009 05:12PM |
| A:
Yes you sure can. That is, if you are atill emploed and can make a pratial ... More |
| Q: Are you a mortgage company? I don'tknowwhat is going on with the bankruptc... | Posted By: dshadel4 on Feb 06, 2009 09:16PM |
| A:
The best thing to do would be to fill out the form on this site: www.loan- ... More |
| Q: I'm currently upside down on my mortgage. My 1st mortgage is $417K / fixed ... | Posted By: mda1128 on Feb 04, 2009 11:55AM |
| A:
Whatr I would suggest is fill out the form on loan-modificaiton411.com and ... More |
| Q: From your experience, are lenders supposed to lower the interest rate to he... | Posted By: isacin on Feb 03, 2009 12:30PM |
| A:
I have seen them both. in cases where the interest rate is already low (li ... More |
| Q: We have two houes last year we got divoce he keep one and I am living in th... | Posted By: jjjcommunications on Feb 02, 2009 07:10PM |
| A:
Well, unfotunately and realistically from what I hear from you on your situ ... More |
| Q: What is the impact of loan modification on credit history? How soon can a p... | Posted By: curioushomeowner on Jan 31, 2009 12:23PM |
| A:
Well the actual loan modification itself does not have any effect on your c ... More |
| Q: Hi, I have my own business and have been waiting for my clients to pay me.I... | Posted By: Mochi on Jan 30, 2009 05:44PM |
| A:
I think a loan forebearance might be a better fit you since you expect to g ... More |
| Q: I submitted a request for loan modification to my current lender of 6 years... | Posted By: Hope on Jan 30, 2009 11:34AM |
| Q: if a husband and wife are getting divorced and husband is to retain the hou... | Posted By: ewingdalep on Jan 29, 2009 04:24PM |
| A:
Well, technically there is no NEW mortgage. When you do a loan modificatio ... More |
| Q: what states require that a lawyer does the loan modification? | Posted By: jeffgorelick on Jan 29, 2009 02:32PM |
| A:
The rules and regulations are constantly changing and it is difficult to sa ... More |
| Q: I wonder: He is behind in payments due to a major wage reduction..I make de... | Posted By: Hopeful on Jan 29, 2009 09:38AM |
| A:
I believe you are a good candidate for loan modificaiton since he has suffe ... More |
| Q: I am doing a mod with a company from this site. The negotiator is telling m... | Posted By: Leftee on Jan 26, 2009 05:24PM |
| A:
Well it is really hard to tell exactly what the bank is going to do, but co ... More |
| Q: do you have to be behind on your payments to get an modification | Posted By: mrdazz on Jan 25, 2009 10:30PM |
| A:
Well, although not an absolute requirement, it certainly helps a lot with y ... More |
| Q: I WOULD LIKE TO DO A LOAN MODIFICATION DUE AN ADJUSTABLE RATE MORTGAGE. I ... | Posted By: USQUEEN915 on Jan 24, 2009 01:03PM |
| A:
Bankruptcy should always be your last resort. You should do a full analysi ... More |
| Q: I AM THINKING OF GETTING A HOME MOD. LOAN DUE TO THESES HARDSHIPS. I AM SEP... | Posted By: daigette on Jan 23, 2009 08:00PM |
| Q: what is your fee - my loan balance is $435,000 and i am 1 month late. | Posted By: badger2007 on Jan 21, 2009 02:01PM |
| A:
Depending on which company you go with, fees range from 2000 to 3000. |
| Q: i am currently getting verification of income that my mortgage co has asked... | Posted By: huddinsan1 on Jan 21, 2009 12:45PM |
| A:
Well, my personal opinion is that you do have a good chance of getting a lo ... More |
| Q: After a sheriff sale can you still get a loan modification if your lender h... | Posted By: mdneal on Jan 17, 2009 09:21AM |
| A:
The short answer is No. Once the property is bought back by your bank, you ... More |
| Q: My friend and I bought a house for 2 years now. We are not in good terms an... | Posted By: flower on Jan 12, 2009 11:29PM |
| A:
This is a unique situation. The fact that both you and your friend are earn ... More |
| Q: Do you conduct a forensic audit before you start negotiating with the lende... | Posted By: Harvey on Jan 11, 2009 08:30PM |
| A:
Some loan modification companies use the forensic loan audit as a strategic ... More |
| Q: When doing a loan modification will the value of the home loan be modified ... | Posted By: Bella on Jan 09, 2009 01:08PM |
| A:
Every loan modification has its own unique set of parameters. Any/all of w ... More |
| Q: I am currently in a interest only loan. My loan wil not adjust until Decem... | Posted By: dlynne11 on Jan 07, 2009 08:56PM |
| A:
The question is whether or not you can afford your current mortgage payment ... More |
| Q: how much do you charge for loan modification and do you charge in advance o... | Posted By: damo on Jan 05, 2009 12:20PM |
| A:
We actually do not charge any money. We are only connecting you to compani ... More |
| Q: we filed bankruptcy in march 08 and i have been laid off we got behind 2 pa... | Posted By: ryanrobb66 on Jan 01, 2009 12:14PM |
| A:
So as I understand, you are now unemployed? If so, that makes it a bit mor ... More |
| Q: Lost my job and have new employment at a much lower income. Mortgage payme... | Posted By: GeorgiaLoan on Jan 01, 2009 11:19AM |
| A:
Thank you. But I guess I was not clear. I have been told by a loan mod co ... More |
| Q: Deed is on Husband and Wife but Wife is on the mortgage loan only. This is ... | Posted By: nov8dbay on Dec 30, 2008 12:17PM |
| A:
Yes, as long as thye both live in the house, want to keep the house, have e ... More |
| Q: I would like to find out which companies have the best track record for loa... | Posted By: Renea on Dec 30, 2008 10:55AM |
| A:
Well, this is a very difficult question as it really depends on the given c ... More |
| Q: We have our home since November 1998 we never missed any payment. I just ha... | Posted By: manoeugene on Dec 26, 2008 09:14PM |
| A:
Let me start by asking whether or not you would like to keep this house eve ... More |
| Q: We have the loan principal balance 475K with appraisal value of the house o... | Posted By: elenroz on Dec 23, 2008 01:31PM |
| A:
Well, it seems that you certainly have enough equity in your home to refina ... More |
| Q: I lost my job recently, but I am still current in payment. My wife’s job br... | Posted By: Jalal on Dec 20, 2008 11:06AM |
| A:
Well, as you might expect the "best" possible candidate for a loan mod is a ... More |
| Q: can i get another modification within a one year period | Posted By: fred on Dec 19, 2008 12:30AM |
| A:
We have actually seen several loan modifications that were negotiated in th ... More |
| Q: I lost my job but have found new employment at a much lower income (commiss... | Posted By: williamg on Dec 18, 2008 02:03PM |
| A:
Yes this is true for the most part. As a general rule lenders is concerned ... More |
| Q: I pay the mortgage but my son is on the loan.and he doesnt live there.I hav... | Posted By: vjz on Dec 16, 2008 11:01AM |
| A:
You do not have to be behind to get help. If you foresee yourself having tr ... More |
| Q: Can I apply for loan mod with a equity loan on the property? | Posted By: vjz on Dec 15, 2008 01:49PM |
| A:
Yes, but it is obviously not as "clean" as your first mortgage lender would ... More |
| Q: Can you get a loan modification even if you have only had your home for 7 m... | Posted By: randa0813 on Dec 15, 2008 11:06AM |
| A:
Well, sure. Remember, there are 3 components necessary for a mod. 1) You ... More |
| Q: If I have a second home and it use to be rented and now it does not rent an... | Posted By: eddy on Dec 12, 2008 12:22PM |
| A:
Well, although there are no real hard and fast "rules" so to speak, but in ... More |
| Q: I'm a single mom with 3 kids, i have my home on short sale right now and wo... | Posted By: tgarcia on Dec 10, 2008 01:44PM |
| A:
Well the key question is whether or not you still have any kind of income. ... More |
| Q: When you do a short sale are you able to remain in your home? This company ... | Posted By: Need Help on Dec 08, 2008 09:15AM |
| A:
short sale means your are selling so you can't stay in the property the onl ... More |
| Q: Do you need an attorney to do a loan modification? Can I call myself and re... | Posted By: Need Help on Dec 08, 2008 09:02AM |
| A:
Yea of course you can do it yourself. Is it going to happen highly unlikely ... More |
| Q: If the lender agrees to do the loan modification are you still paying the o... | Posted By: Need Help on Dec 08, 2008 09:00AM |
| A:
Yes you are you are just changing the terms on loan... ex: interest,length ... More |
| Q: What other cost will be incurred if we do loan modification (For example: A... | Posted By: hajira on Dec 04, 2008 11:05AM |
| A:
Since a Loan Modification is not a "refinance" or a "new loan", there will ... More |
| Q: What happens to the original loan does it freeze and becomes a ghost after ... | Posted By: just me on Nov 26, 2008 02:10PM |
| A:
There is no such thing as the "original loan" vs. a "new loan". This is no ... More |
| Q: Is it possible to get loan modification if you already have a fixed interes... | Posted By: vieanblue on Nov 25, 2008 07:04PM |
| A:
Sure. The main purpose of a loan modification is to make your mortgage pay ... More |
| Q: How much do this loan modification cost? | Posted By: starlight on Nov 24, 2008 11:31AM |
| A:
I had answered a similar question to another consumer. The fees differ from ... More |
| Q: We are current on our mortgage. But my husband's job is in danger and he ma... | Posted By: mbradleyrn on Nov 22, 2008 07:23AM |
| A:
Well. it is really tough for me to give you meaningful advice since I do no ... More |
| Q: Can you start the loan modification process even if you are current with yo... | Posted By: homeownersos on Nov 20, 2008 12:17PM |
| A:
The short answer is yes. However, with the shear volume of people looking f ... More |
| Q: I was hoping to touch base with operations individual to discuss a partners... | Posted By: jeffwilks on Nov 19, 2008 11:56AM |
| A:
Jeff, if you would like to discuss partnership opportunities with loan-modi ... More |
| Q: Have you ever been able to work out a loan modification with FlagStar mortg... | Posted By: WorriedHomeOwner on Nov 18, 2008 10:04PM |
| A:
Modifications are a bit tricky because even if you got your mortgage throug ... More |
| Q: how long is the loan mod process? | Posted By: woodhana on Nov 13, 2008 05:44PM |
| A:
This really depends on several facter. Not all loan mods are the same. Th ... More |
| Q: what is the loan modification rates? | Posted By: pooker on Nov 12, 2008 08:42PM |
| A:
I actually answered this on the previous question, but I will cut+paste for ... More |
| Q: What are the necessary fees to get this process started? | Posted By: pivory007 on Nov 12, 2008 09:10AM |
| A:
Well, this really depends on which company you select to go with. I have s ... More |
| Q: Is there anything else that we can do if the mortgage lender says that they... | Posted By: MortgageDummy on Nov 07, 2008 01:27PM |
| A:
This really depends on why the lender denied the loan modification. Can yo ... More |
| Q: I am in the process of doing a Loan Modification with CitiMortgage. We have... | Posted By: showme on Nov 07, 2008 10:36AM |
| A:
Well, if I were you and and i did not ABSOLUTELY need the money, I would no ... More |
| Q: Can I present the Loan Mod myself to my lender or should I seek the experti... | Posted By: nov8dbay on Nov 05, 2008 09:09PM |
| A:
Well, the answer to this question is somewhat difficult. For some people i ... More |
| Q: We have 3 properties. Our primary residence and 2 others we could not sell ... | Posted By: boddenho on Nov 05, 2008 05:46PM |
| A:
As a general rule, your primary residence (home you currently live in) is a ... More |
| Q: How soon can we expect our payment to decrease? | Posted By: PapaJones on Nov 05, 2008 01:59PM |
| A:
Well, this really depends on several factors. Here are the important ones: ... More |
| Q: WHAT ARE THE FEES FOR DOING A LOAN MODIFICATION AND CAN THEY BE ROLLED INTO... | Posted By: RAMIREZ on Nov 05, 2008 01:52PM |
| A:
The fees are differ from company to company. What seems to be the most com ... More |
| Q: Do lenders modify the loan by reducing the loan amount? I have lost $40,00... | Posted By: cookiemix99 on Nov 05, 2008 08:35AM |
| A:
Well, it really depends on your particular lender's loss mitigation policie ... More |
| Q: Do you know any specifics about the JPMorgan Chase plans? | Posted By: PierreA on Nov 04, 2008 12:59PM |
| A:
Here is the link sorry: http://www.boston.com/realestate/news/blogs/renow/2 ... More |
| Q: Purchased home in 2003 payment was around $1100month. within 2 yrs payment ... | Posted By: Maria on Nov 02, 2008 02:04AM |
| A:
Are you still unemployed? If so, it might be a bit tough to get a loan modi ... More |
| Q: Since losing my job, we depleted our savings to make our payments. I'm now ... | Posted By: BrendaKleen on Oct 30, 2008 02:00AM |
| A:
If you can still afford part of your original payment and have had a genuin ... More |
| Q: Is short sale better or loan mod? | Posted By: Bullfight on Oct 26, 2008 01:41AM |
| A:
Well, they are similar in one regard: the fact that a financial hardship o ... More |
| Q: My wife lost her job in Feb. Adjustable payments got to high and I lost my ... | Posted By: Francis on Oct 21, 2008 11:33AM |
| A:
Well, if you are not employed with no income, it will be pretty tough to co ... More |
| Q: Due to a struggle with depression 2 yrs ago I left my job with Procter and ... | Posted By: Dan on Oct 18, 2008 08:23AM |
| A:
It sounds like you have had a life event which definitely constitutes a val ... More |
| Q: Need info about a loan mod. company. Comp. called ElectGroup, out of FL has... | Posted By: KLUDY on Oct 16, 2008 10:13AM |
| A:
Due to the nature of loan modification, it's a recent development in the mo ... More |
| Q: My husband had lost his job and put us behind in payments. He is now employ... | Posted By: Lori on Oct 15, 2008 11:22PM |
| A:
we are losing auer house |
