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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 and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer After three years, I finally got my modification!!!!

I had an issue with a subordination during my HAMP trial last year. My 2nd lien holder did not understand the need for a subordination in the first place. I hope that helps someone out there going through payday lenders the same problems as me. Wells Fargo needs to extend this policy to ALL junior liens, regardless of the balance! 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 I have to ask.... During that 3 year period, were your payments applied to your mortgage? Nor were those payments reported to credit reporting bureaus, rather I am being reported as 6 months late -on going, so next month will bad credit fast loans reflect 7 mos late, etc. I have never dealt with such incompetence and disregard for a customer base from a business before in my life, short of Time Warner cable, but that story is for another forum.

I have a second with a balance of 19k and they said no to subordination, literally out of spite. Wells Fargo was AMAZING to work with and this small town bank basically flipped me the bird when I asked them. The Wells balance is 295k, and currently payday lenders in 1st position.

The HELOC is in 2nd position with a balance of 19k. We were offered a loan mod from Wells, and then the HELOC bank basically said not gonna happen, we would rather get NOTHING than stay in 2nd position. I LOVE my Wells loan specialist, I mean, we have agreed that if he ever comes to Montana, we are getting drinks! He has told me that when I send a fax, it takes 48 hours for it to be processed and show up on his computer screen. I told my specialist I wanted to send him a card and we get along well, so he hooked me up with his desk address. It is REALLY different from the one you send docs to. So, I can see how mail payday cash can take forever and a day to get to them that route. 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. Now WF has sent us a letter saying we can recast our loan. Can we reapply for a new HAMP or ask for lower interest? Also we filed chapter 7 before we were approved and never signed a reaffirmation on the loan. A loan recast will not reaffirm your mortgage unless you were to sign a reaffirmation agreement with Wells Fargo which I suggest you never do. You can reapply for a loan modification, but it will be tough to obtain a new one. I suggest you first look at cutting down other expenses before you reapply to see if it is absolutely necessary because applying for a new loan modification will be cash advance orlando stressful and take a lot of time.

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 payday lenders 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 Thank you again Moe, you have helped us through many problems.

We have tried for a reverse mortgage but prices here in Virginia have not bounced back much, so we are low on the appraisal. When the time comes, if need be, we can walk away, since we have no reaffirmation. Maybe before you walk away, you try no credit loans fast one last time for a loan modification. I have seen many people get 2 loan mods before so it is by no means impossible. 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 best fast cash loans obtain advice with respect to any particular issue or problem.

The opinions expressed at payday lenders 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 Now WF has sent us a letter saying we can recast our loan.

Can we reapply for a new HAMP or ask for lower interest? Also we filed chapter 7 before we were approved and never signed a reaffirmation on the loan.

What the recast does is simply lower your monthly payments under the same term. If you do not take the recast, you will save interest but again, if you do take it, you will not be adding any more interest on to your loan or extending your term.

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. He has been out of work since December and collecting unemployment while he tries credit score company to find a position, last year he was only out of work payday lenders for a month but this time we are going on three months.

Long story short we are on our 2nd modification since 2012 and have fallen behind on installment loans colorado the payments for the last year and a half.


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I have been calling in to Wells Fargo and making payments over the phone. I maybe could pay 2 months worth of payments before March 20. Do you think they will go forward with foreclosure if I pay them two months worth of payments, then I will only be 2-3 months behind?

If you were to make up some of the past due it may not hinder foreclosure proceedings if they have bad credit loans utah already initiated. That would put you in a bad situation when it comes to the amount of reserves you have available. Since 2007, the LoanSafe payday lenders 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. This is something that should have been done a long payday lenders time ago and I figured we should stick a thread here for Wells Fargo success stories. It was a long four year fight but we were finally able to secure a permanent loan modification February 2013 through HAMP. Throughout the course of the modification process, Wells Fargo attempted to foreclose on my home as were in arrears. The first time we called to loan companies in columbia sc inquire about a loan modification, we were told by the Loan Mod Officer that we our application would not be reviewed unless we were at least 3 months behind.

We had to file for BK to save the house and continue the modification process (which is inconsistent with HAMP guidelines stating that foreclosures would not occur if we were in the middle of the modification process). 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.