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The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer I was approved under the DOJ settlement modification instant cash advance online no credit check from BOA.

Meanwhile, BONY who says they own the note (which i didnt know) is under foreclosure process..... God Bless I was approved under the DOJ settlement modification from BOA.

Meanwhile, BONY who says they own the note (which i didnt know) is under foreclosure process..... God Bless Have you thought about working apply for a loan online instant decision with a HUD counselor to help you out? What percentage to gross income did the DOJ modification put you at? They were following the HAMP guidelines and bringing the payment to within 31 percent of gross income which would include Prinicpal, Interest, Taxes, Insurance, and HOA dues if applicable on the first lien alone.

The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet.

You should contact your attorney to obtain advice with respect to any particular issue or problem.

The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Get free mortgage help today. Since 2007, the LoanSafe forums have apply for a loan online instant decision helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. It is a basic outline and or summary of your experience during the loan modification or short sale process. You will want to have this next to you anytime your deal or correspond with your mortgage servicer. It helps you remember and helps keep these guys accountable. This can be beneficial if you choose to file a Qualified Written Request or possible lawsuit and can be sued by a lawyer to help support your case against your lender.

The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem.

The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice.


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Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author cash advance pensacola fl and may not reflect the opinions of the firm or any individual attorney. Please Read our Hi Moe or anyone I dont mean to sound stupid you know i just joined last simple interest loan month. Dont laugh guys I know i just joined not sure still learning my way around the loan apply for a loan online instant decision finder site.

This is an actual true report by an actual homeowner who ended up getting a short sale with Countrywide. She called Countrywide and was told by a customer service person she would receive the details of this through a process server and she had no other information available to share. After talking to two representatives she was connected to negotiator Isabel Chaidez. She was told she could apply for a Deed in Lieu of Foreclosure. The process server asked her who is living at the foreclosed property and she politely explained her mother is maintaining the home while attempting to sell.

The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or apply for a loan online instant decision problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. I do have my notebook with me at all maryland payday loans times and when I can I transfer it onto a word doc.

Actually not everyone viewing this website is a member. At any given time we may have 100 plus members and 1500 plus visitors. The more members, the better for helping our cause. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Actually not everyone viewing this website is a member.

At any given time we may have 100 plus members and 1500 plus visitors. The more members, the better for helping our cause. Ok thanks Moe So I am sure I am a member, but let me ask you this I see some say Senior Member and some say Junior what is the difference and how is that determine.


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I do have my notebook with me at all times and when I can I transfer it onto a word doc. I had that same feeling of how odd it was when the collections calls stopped. Unless, of 1500 cash course, it is a reinstatement payment planh. I have kept a similiar, but not so succint journal since March 2009 with ASC. I had two loans thru them on two different properties.

One went thru the way it suppossed to and relatively was pain free.

The other has been a nightmare from the start and is still not finished. To those people like me out there that are trying to work with ASC you might be persistent daily and soemtimes twice and 3 times a day. I understand now that with 3 unlinked computer systems, no wonder they are screwed up.

They said they closed my file because I didnt turn in the paper work. I never got any and they refuse to send it in any traceable manor. Ok thanks Moe So I am sure I am a member, but let me ask you this I see some say Senior Member and some say Junior what is the difference and how is that determine. How long did it take you to finally get your loan modified (I may have already asked you this... If not, how many months behind were you if you do not mind me asking. I have been current, but now I need to make a decision as to whether to default in Dec09. How long did it take you to finally get your loan modified (I may have already asked you this... If not, how many months behind were you if you do not mind me asking.

I have been current, but now I need to make a decision as to whether to default in Dec09. We made our last regular payment about 2 years ago. We received a court-date for foreclosure in the mail the same day we received a forbearance-offer.

No lost documents - we only had to update proof of income once. When looking for a modification there might be many painful decisions to make - often either...

Like either keep the house or the perfect credit record. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages.

Due to the recent adjustment to the mortgage I currently have with your company, I am finding it very difficult to afford the new payment. I have a 3 year fixed rate which is now adjustable and is schedule to adjust again in Feb. Considering my current income, there will be no way I can afford the increased payments come February. Hopefully there is way to renegotiate the terms of my current mortgage to avoid default and help stop foreclosure on my home. Is it possible to have my current adjustable rate mortgage converted to a fixed rate? If this is not possible, can you postpone the next rate change to a future date to allow me to continue making affordable payments or refinance? Any other solutions you could provide would be greatly appreciated.

I have had no problem making my payments for over three years now and do not want that to change.

My mortgage was originally written by another company and bought by Countrywide.

I was assured that refinancing would be no problem but that turned out not to be true due to the downturn of the housing industry. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet.

You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice.

Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Get free mortgage help today.

Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages.

Due to the recent adjustment to the mortgage I currently have with your company, I am finding it very difficult to afford the new payment.

I have a 3 year fixed rate which is now adjustable and is schedule to adjust again in February, 2009.

Considering my current income, there personal loans for poor credit score will be no way I can afford the increased payments come February.

Hopefully there is way to renegotiate the terms of my current mortgage to avoid default and help stop foreclosure on my home. Is it possible to have my current adjustable rate mortgage converted to a fixed rate? If this is not possible, can you postpone the next rate change to a future date to allow me to continue making affordable payments or refinance? Any other solutions you could provide would be greatly appreciated. I have had no problem making my payments for over three years now and do not want that to change. My mortgage was originally written by another company and bought by Countrywide.