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Recent Questions
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
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 periodPosted 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: From an employment standpoint, it is a good thing that he is employed again ... More
 
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