Places to get loans

You should have the one that actually looks like a D and an S! Each time I asked for a copy of my note in the last 2 years from doing a QWR it had nothing but my own signature on it. Then in Sept 2012 during my deposition ( for my suit against BOA ) the BOA attorney uses this new copy with that stamp and signature on it.

This is why the federal government states attorney and most states fined the large banks last year to the tune of 22 Billion dollars.

I assume your note was turned into a securitised asset or trust (if spector stamp on it, then it must be a countrywide loan? I have been trying to workout the matter and currently battling foreclosure, when all I want to do is get a workout plan and pay. But not for these guys, and believe me the attorneys seem to be right in the middle of it. Also, I found expired forms were used in closing, and like many of you, my original note seems anything but original. They constantly play with the fonts and changing the size of the document (I think this confuses the naked eye when reviewing the documents). This is why the federal government states attorney and most states fined the large banks last year to the tune of 22 Billion dollars. I assume your note was turned into a securitised asset or trust (if spector stamp on it, then it must be a countrywide loan? 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.

My understanding is that he stopped working at Countrywide in August of 2006. In fact, I cannot view any of the signatures attached on the site. Also I would like a copy of the 4 signatures you have.

I did see a previous post with 4 attachments but that seemed to 4 separate views of the same signature. Can you please email me any David A Spector signature you have. In fact, I cannot view any of the signatures attached on the site. Can you please email me any David A Spector signature you have.

I found another one online that seems original and is completely different (spector executing as a trustee). Also have 2 different Laurie Meder stamp cash loan with bad credit signatures as 2 2 separate endorsements for 2 separate and unrelated notes by Countrywide. Any assistance in getting other samples would be awesome! Hi Leona - I was unable to view any of the attachments on this site. My understanding is that Spector stopped working at Countrywide in August of 2006. Email me at Hi Traxstarr person - I was unable to view any of the attachments on this site.

Hi cwbpafrad - I was unable to view any of the attachments on this site. And someone did attach an image of his entire signature on this thread.... Just a person with a whole lot of research and Common sense....... Hi taterplease- I was unable to view any of the places to get loans attachments on this site.

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. My quick easy payday loans understanding is that he stopped working at Countrywide in August of 2006.

In fact, I cannot view any of the signatures attached on the site.

Also I would like a copy of the 4 signatures you have. I cheap loans compare did see a previous post with 4 attachments but that seemed to 4 separate views of the same signature.

Can you please email me any David A Spector signature you have. In fact, I cannot view any of places to get loans the signatures attached on the site.

Can you please email me any David A Spector signature you have. I found another one online that seems original and is completely different (spector executing as a trustee). Also have 2 different Laurie Meder stamp signatures as 2 2 separate endorsements for 2 separate and unrelated notes by Countrywide. Any assistance in getting other samples would be awesome! Hi Leona - I was unable to view any of the attachments on this site. My understanding is that Spector stopped working at Countrywide in August of 2006. Email me at Hi Traxstarr person - I was unable to view any of the attachments on this site. Hi cwbpafrad - I was unable to view any of the attachments on this site. And someone did attach an image of his entire signature on this thread....

Just a person with a whole lot of research and Common sense....... Hi taterplease- I was unable to view any of the attachments on this site.

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. So I work places to get loans at a bank but not going to say which one, I work in modifications though. After viewing about 35 files this morning I got the urge to write some tips and expectations for you to help in this process. I know it sucks but 45 days is a fast turnaround for what we have to do believe it or not. Underwriters require this and the negotiators have such huge case loads that it may take a week or two to start back on your file if you decided to omit that last paycheck because it was larger. I understand everyone wants the best deal possible, we all do, but modification is about saving the home, its not refinancing. If you get approved and decide you want to negotiate the terms there are only two things that will happen. A home is an investment, always places to get loans invest wisely and dont invest unless your prepared to take a loss. No modification program will give you equity so just forget it and save the frustration. Principal reduction by bofa is used in more extreme circumstances and is not a freeby, its a silent 2nd and yes it is still owed at the end.


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Have all these docs ready the first time you apply to move things quick, have your account number on the top center of each page, have cover sheet attached detailing what is inside. Because there are a hundred investors who loaned the money for your home and they have thousands of portfolios that have different rules for mods.

For example Wells Fargo from what I have seen has probably a thousand different rules for there thousands of portfolios managed by other banks. So you and someone else may have places to get loans the same investor, the same terms and got your loan at the same time but based on all your factors got placed in two different portfolios through the same bank as investor, well guess what your neighbor may be able to get term extension to lower the payment while you only can qualify for special forbearance. Its a rough market you got to be willing to work and do anything to survive, its not getting better soon. There are a ton of people applying also and taking time up when they make plenty to cover the costs, or trying direct lender installment loans to make more revenue off rentals. You can thank the investors and flippers for much of the delays in broker loans places to get loans the modification program. They do a ton of scamming even though its clear these programs do not apply to them we still have to review and decline or approve every application. Its not rocket science, turning in docs and calling to check in on status. Thats all they do, I have spoken to hundreds of them, they call say is this file done, (answer from rep) thanks bye You can do that yourself and save hundreds or thousand. Everyone has to make a living and working for a bank makes you know different than anyone else who has to work for a living. We are just people trying to have decent lives and support our families. Where you get a paycheck from makes no difference to me as long as that paycheck is earned on through morals, ethics and hard work. The no fee loans for bad credit 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 short term cash 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 same day online loans 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 So I work at a bank but not going to say which one, I work in modifications though. After viewing about 35 files this morning I got the urge to write some tips and expectations for you to help in this process.

I just got my modification after 14 months and several starts and fits. I know it sucks but 45 days is a fast turnaround for what we have to do believe it or not.

Underwriters require this and the negotiators have such huge case loads that it may take a week or two to start back on your file if you decided to omit that last paycheck because it was larger. I understand everyone wants the best deal possible, we all do, but modification is about saving the home, its not refinancing.

Even though you may have sent in all the requested documents asked for, they will not tell you another is needed, or that sensitive documents like tax forms you sent magically disappeared until you call them for an update. Its a rough market you got to be willing to work and do anything to survive, its not getting better soon.

There are a ton of people applying also and taking time up when they make plenty to cover the costs, or trying to make more revenue off rentals.

You can thank the investors and flippers for much of the delays in the modification program. They do a ton of scamming even though its clear these programs do not apply to them we still have to review and decline or approve every application. When times were good and banks were encouraging every homeowner to take out 1st, 2nd, and 3rd mortgages they had no problem keeping up with demand and weeding out most of the fraudsters. A full doc mortgage could be had inside of 2 weeks. But the process was more painful and emotionally draining than I could have ever imagined. The banks could do so much more to treat their customers that have applied for a modification in a respectful, professional manner. I realize not all the people I have spoken with at BOA are really as rude and crude as they sound. They are under a huge amount of pressure from upper management. I have been blessed with a very nice and knowledgeable Lady. Was told by my negot that it would take 45 days places to get loans to be considered for HAMP. I explained that I was in imminent default a could not pay my next payment. The negot offered a 4 month forbearance (Partial Payment Agreement).

The negot said the I would more than likely receive an in-house mod. The agreement said no credit reporting and the possibility of a mod after the partial payment. They misposted my payments I paid in advance to be on time. I spent 2 hours on the phone getting them to properly post the funds and take off the late fees. I had it in writing that there would be no late fees.

Remember, the Forbearance is from BOA, and not a modifcation. I lost my job in 2009, and have UI benefits but have been lucky enough to get contract work. Make sure you are prepared for the circus and losing of documents.