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The first which was owned by Fannie Mae came in and offered a reasonable modification even though we did not apply for one. I found that odd that the first was customer friendly while the HELOC told us to go play in the sand. We pay credit card debt off each month and have never had finances charges from them.

Since I sold the house, I have applied for a car loan at the credit union and been declined due to the delinquent 1st and HELOCS. Also applied to Rocket Mortgage and been declined and also applied to increase a credit card limit. Before the mortgage delinquents my FICO score ran at 775-825. During the rough period it went down to a low of 630. If I keep my credit clean, how many months do you think it will take where lenders will approved a home loan when I apply, and other types of loans too. I am the resident multi-state licensed loan officer here at LoanSafe and would be happy to guide you in the right direction and there were a few things money lenders for bad credit that I wanted to clarify first and foremost as well as listing the details that are crucial to my analysis. The file must be downgraded to a Refer and manually underwritten if any mortgage trade line, including mortgage line-of-credit payments, during the most recent 12 months reflects: A Mortgage that has been modified must utilize the payment history in accordance with the modification agreement for the time period of modification in determining late housing payments The file must be downgraded to a Refer and manually underwritten if any mortgage trade line, including mortgage line-of-credit payments, reflects: A Mortgage that has been modified must utilize the payment history in accordance with the modification agreement for the time period of modification in determining late housing payments. If an account is reported on the credit report as a non-mortgage tradeline, and yet the account is listed on the loan application as a mortgage, DU will analyze the credit history of the tradeline as a mortgage. For example, if the credit report identifies an account as a revolving account, and the account is listed as a HELOC on the loan application, DU will evaluate the credit history of the account as a mortgage.

Any late payments in the credit report will be treated by DU as delinquent mortgage payments.


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If there is a mortgage that is disclosed on the loan application but not reported on the credit report, legitimate payday loan companies or the mortgage is on the credit report with an outstanding balance but the payment history has not been reported in the last six months, DU will issue a message requiring the lender to confirm that the account is not two or more payments past due as of the date of the application and that it has not been past due by two or more payments in the last 12 months. If the lender determines that the borrower does have a mortgage that is past due by two or more payments or has been past due by two or more payments in the last 12 months, then instant loans no credit check the loan casefile is not eligible for delivery to Fannie Mae.

Loan casefiles will receive an Ineligible recommendation due to excessive prior mortgage delinquency if the borrower has a mortgage tradeline on his or her credit report that has one or more 60-, 90-, 120-, or 150-day delinquency reported within the 12 months prior to the credit report date. The above policies will apply to all mortgage tradelines, including first liens, second liens, home improvement loans, HELOCs, and mobile home loans. As you can see above the payment history requirements do vary from program to program, FHA is a little more liberal on their guidelines and will allow for more missed payments than a conventional loan would. If you do not meet the payment history requirements you would want to find out when your last delinquency was and then base your eligibility for a traditional loan product roughly 12 months after you 3 month payday loans bad credit sold the home that had the derogatory lien(s).

If you want to know more about the solution we can provide now, feel free to reach out and I would be happy to go over details otherwise we can strategize a plan of attack for the future. 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 mortgage started out with First Magnus Financial corp in April of 2007, when Countrywide somehow started receiving my payments.


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I requested a credit report on July 31st,2007, and there was no mortgage company listed except my former mortgagor. Then somehow my mortgage became BAC home loans, who in August of 2010 filed foreclosure on me. I missed one payment in march of 2009,(only time I ever missed a payment, and was never late) and BAC decided they were payday loan today going to help me. I made my April, May, and June 2009 payments as I always did. In July, 2009 BAC told me they were putting me on the forbearance program. This went on for 6 months, with no long term solution even discussed. So I called now, Bank of America, and was told they were going to give me a modification, we all know where that went. They had a copy of my mortgage from court records, and a copy of my note, with no endorsements. The first foreclosure had an unrecorded assignment through mers, assigning my mortgage over from First Magnus to BAC home loans, FKA Countrywide, which was dated August 12th, 2010, one week before they put me in foreclosure, and remember, First Magnus filed bankruptcy in August of ,2007.

Then in February of 2013, Bank of America started a second foreclosure on the same property. This is the only recording of any transactions, from any bank, other than the original recording of the mortgage with First Magnus. This time Bank of America in count II, added in an enforcement of lost instrument. Of i need 500 dollars fast course I am fighting pro se again, so how to find private money lenders we will see what happens. My mortgage started out with First Magnus Financial corp in 3 month payday loans bad credit April of 2007, when Countrywide somehow started receiving my payments.

I requested a credit report on July 31st,2007, and there was no mortgage company listed except my former mortgagor. Then somehow my mortgage became BAC home loans, who in August of 2010 filed foreclosure on me.

I missed one payment in march of 2009,(only time I ever missed a payment, and was never late) and BAC decided they were going to help me.

I made my April, May, and June 2009 payments as I always did. In July, 2009 BAC told me they were putting me on the forbearance program.

This went on for 6 personal loan for bad credit months, with no long term solution even discussed. So I called now, Bank of America, and was told they were going to give me a modification, we all know where that went.

They had a copy of my mortgage from court records, and a copy of my note, with no endorsements. The first foreclosure had an unrecorded assignment through mers, assigning my mortgage over from First Magnus to BAC home loans, FKA Countrywide, which 3 month payday loans bad credit was dated August 12th, 2010, one week before they put me in foreclosure, and remember, First Magnus filed bankruptcy in August of ,2007. Then in February of 2013, Bank of America 3 month payday loans bad credit started a second foreclosure on the same property.

This is the only recording of any transactions, from any bank, other than the original recording of the mortgage with First Magnus. This time 3 month payday loans bad credit Bank of America in count II, added in an enforcement of lost instrument. Of course I am fighting pro se again, so we will see what happens.

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 FORECLOSURE FRAUD BANK OF AMERICA , 2015. Yep, two very different notes, two sworn statements stating they are original. The first one was on a lost note count, which had an endorsement in blank on payday loans san antonio an allonge, which later was changed to an original note by sworn testamony. The second note had Countrywide filled in in the pay to the order of, with 2 additional endorsements, which was filed in the official records, dropping the lost note count.

When I filed a motion for summary judgement, the bank filed an oppisition to my motion for SJ, in which they filed the blank endorsed note as the original note, with another sworn statement.