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HAMP participants are then required to continue with the process to determine if the canidate meets all HAMP requirements in which case they must offer a modification.

If the NPV is negative, meaning the servicer would lose less money by foreclosure they can still do a HAMP modification but it is at their discretion. This means they can refuse all modifications or approve any or all. Most Non HAMP participants are using the HAMP guidelines but you never know.

Also, it is my understanding that all INDYmac loans are not negotiated by the FDIC who put them in receivership. Get an attorney and have them order a forensic audit. In addition, request via certified letter a copy of the original note and cc the letter to the trustee conducting the sale. It really doesnt matter if you fit the guidelines perfectly if they make a mistake in the BPO we get denied. I just found out my BOP came back trippled and the NPV spit me out. All homes selling right now are going to short sales or foreclosure homes, no bank will lend buyers more than ach loan what the property is truly worth. It always seemed absurd to me to have a RE person attempting what is tantimont to an appraisal. There are many items that go into a legitimate appraisal and it requires significant research and education. As far as being tied to a BPO there is nothing in the guidelines indicating such. This value is to determine ach loan the NPV test (essentially a determination to evaluate the difference in value between foreclosing and modification). I would suggest if this is their tact, that you offer to pay to have a legitimate appraisal done. 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.

I have made my 3rd payment with wells and after reading this board I may have to many assets. Now that my credit is being ruined what is my best option. Thanks in advance 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.


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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. I originally sent in paperwork for the MHA modification in December 09 and confirmed receipt from AHMSI. I redid the paperwork and sent it in by certified mail this time. I just recently received a foreclosure notice that was filed but there is no sale date. What should be the turn around time for AHMSI to get back to me for approval or the trial payment period?

This link references that these are the steps a counselor should take, but Fannie verified that the phone number to them is for consumers also. I emailed them on March 1, 2010 and confirmed with them on March 3 that they had received my complaint and it was in line for someone to call me about the problem. I have signed and they have signed final mod but now there are 2 issues and MBS trust and do I pay 2nd trial. Also believe it or not someone put in my notes that I said I did not want to continue on program, How crazy is that I waasted a year of my life dealing with these fools. What kind of recourse is there for us borrowers when in the HAMP guidelines it states that these modifications should be done in a timely manner as well as the guidelines under Consumer Protection Servicers should have procedures and systems in place to be able to respond to inquiries and complaints relating to loan modifications. Servicers should ensure that such inquiries and complaints are provided fair consideration, and timely and appropriate responses and resolution. I was doing fine until My brother and sister lost their jobs and are now living with me. I am currently supporting a Family of 10 (6 adults and 4 children) 2 loans for bad credit in az are mine MY monthly expenses have increases significantly.

I am with wellsfargo and after reading all the post I am not sure if I should attempt to call them. My credit is excellent at this time but i Dont how long it will last. In March of 2009 we started our HAMP process (CHASE) with the help of a mortgage company.

In November of 2009 I decided to call CHASE my self and see what was going on. In low loans May 2010 an appraiser for Chase came out to look at our house. We are in the process of adding to our living room so in his note he wrote house is under construction. Eventhough all our paperwork has that address on it!! She sent a couple of emails to the underwriter and he agreed to send another appraiser back out. I called 4 weeks later and got an amazingly rude rep that told pay day lenders me We were denied and that no, another appraiser was not going out there, and there were no notes about any of it!! I called back very upset and got the 1st tier of reps. A very nice lady told me she could see all the notes and read them back to me. She put in additional notes and sent me to emminant ach loan default dept. The rep there said I was in the wrong dept and I was denied a loan mod anyway he tried to transfer me to loss mitigation but instead cut me off. My question is this: Do you have to be past due to get any help?

Hi there ,we started talking to BOA regarding MHA 2009, Mr Presidents program (make your payment stay current we will help you stay in your home) sure you are.

I was talking to people at the BOA center every week, every time they ask for more papers,week later they lost the paperwork send again and again and again 7 times, finally 1.

To this day still nothing has transpired: they claim that lost my paperwork they are very busy that they need more papers and more papers and they even claimed in ach loan ach loan 120 days they will let us know if we qualified for anything.

Here is another example why your policy Make Homes Affordable for the People have failed in regards to the population who are trying to make their payments to stay in their homes. You, your Vice President, and your Press Secretary, all preach this program every time you are on the television.

President you gave Billions of dollars to the hands of the very people that got us into this mess! President has led to BOA telling us that since we are still able to keep our payments current, we are to move to the back of the line so they can concentrate on those already in default.


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We actually put a down-payment down, our life savings, and we lost it and half of our home value as well. I have had a forced retirement due to the conditions of the Real Estate market with a minimum fixed rental income. And after spending 100s of hours on the phone with over 20 people. President, as you can see, the right hand does not how to get a small personal loan know what the left hand does. On one hand they are telling us that we have to start all over again due to insufficient paperwork and our account is closed, and on the other hand they opened a impound account because we have an application in progress. Gardner, trust with our tax dollars to help people like us, try to be good citizens and do the right thing.

President I am a bad credit personal unsecured loans guaranteed Greek-American Immigrant a legal one I might say.

I work hard to pay my taxes, to be a good neighbor, to work hard for the last 34 years and to save some money to buy our dream home. And just as another side note, we never even signed our loan application with the countrywide agent. I have repeatedly asked the BOA people to provide me with my loan application and they continually find excuses why they cant find it. President, as I have stated here, your programs and policies are failing because the people that you nominate to implement your programs are failing you. As a result you are failing with them, while we the people are suffering the continuances of your policies. We hope and pray that this letter comes to your attention to see it as an a wake-up call for the future of your Presidency and the future of the people throughout our great country that are suffering and are losing there homes. If this letter ever comes across your desk or across the desk of any of your people that are on television talking about how the program works and how long term loan lenders you all trying to help people stay in their homes, I hope you feel some shame.