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What good does following up with the lender only once per month via email going to do in regards to a stuborn lender? Well, you should have known that before you started with NACA. When I started with NACA, I made sure that NACA has agreement with my servicer.

I wish you were around to offer that tidbit before I started this process. What was never conveyed to me was how powerless they are without the contract. I have been patient with them to see what they could do since they have always told me the would get results. I would only think NACA help me through the paperwork process. For me, NACA helped a lot by postpone my sale date... In your case, at least NACA let you know they need help. Maybe if u put both share information, it would help a lot more. I would only think NACA help me through the paperwork process. For me, NACA helped a lot by postpone my sale date... In your case, at least NACA let you know they need help.

Maybe if u put both share information, it would help a lot more. I would only think NACA help me through the paperwork process. For me, NACA helped a lot by postpone my sale date... In your case, at least NACA let you know they need help. Maybe if on line bank u put both share information, it would help a lot more. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save cash advance inc their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. 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 a question. Is it regular practice for the servicer to send a forbearance agreement before continuing the modification process? We faxed it to bad credit loans instant decision no fee NACA ASAP to see if we should sign it and were told not to worry about it, so we never signed and returned it. I was just wondering if it would have made a difference for the better in our process for a modification.


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In my account I saw that NACA had sent Wilshire this note right after Wilshire stated that borrower did not execute docs : In regards to the highlighted part: Is is me or does that mean no credit check loans guaranteed that NACA was telling Wilshire that we did agree to the forbearance afterall? I read forum posts where people are making forbearance payments while working towards a modification. Our particular situation calls for a modification, not a forbearance..... I own a rental house as well as my primary residence. I need help restructuring the loan on my primary residence only. Does owning the rental disqualify me from bad credit loans instant decision no fee getting help from NACA??

Can one of the NACA answers people please let me know or anyone else who might know this. I am thinking of going to the STD event this weekend but dont want to spend 2-3 days if no help available to me. Hello i checked my webfile last week and it showed servicer declined, so my file was resubmitted on the 19th. I bad credit loans instant decision no fee called litton today to see if they would tell me why payday loan companys they had declined my file and to my surprise the lady told me it was not declined that it was still under review. I dont know what my status is anymore I have an auction date again of on the 9th of march. A negotiator called me yesterday but unfortunately missed her call. Keep in touch with me and if something change i will let you know.

I am planning on going to Nashville this Saturday to seek a loan mod. Hi there - I have been unable to log in with my user id and password for almost a week - My id is 936612, can you help! I have sent e-mails to member services with no response. Our workshop is this Saturday ( soonest we could get into one ).

Can you please advise since I can not even log in to check?

Hello, NACA has been updating the NACA website with new changes to better serve the homeowners. One of the major questions is you still are having problems you can call 1-888-404-6222 and listen to the automated system for the option to speak with IT department and you will be transfered directly to IT.

US bank will not be cash advance lima ohio there in person, But your file will still be submitted by a counselor on the floor or by phone, you can go online and schedule an appointment with some one here bad credit loans instant decision no fee bad credit loans instant decision no fee in the office.

Did all you suggested including calling the number and was on hold for almost 30 minutes before I had to go back to work! I keep e-mailing and advising that the on line bank user id and password that NACA e-mails to me does not work when I try to log in.

My primary residence need restructuring and i really would like to keep it eventhough where upside down. I filed my documents at NACA and the counselor told me im not qualified bec of the investment property still under our name. However, there seems to be serious issues with how the website processes my clicks or acceptance.

One was last week, 3 hours early (not sure if that was the time change). I answered and a recorded message said please hold...

I am so frustrated with the beauracracy, yet I totally support what NACA is doing. I just feel that they are overwhelmed, hence, my understanding and patience. This morning, SUNDAY, I had a scheduled afternoon call. I was called at 6:30AM, while I was in the other room.

I was left a message that stated, they realized that my appointment was later in the day but that they were getting a head start. And can we just talk about how many EXTRA cell phone minutes this is gonna be. BofA will not talk to me, they say I installment loans austin tx have to go through NACA. My file was originally submitted on December 14, 2009, but was cancelled by BOA because the submission contained incorrect monthly income (input my bi-weekly income and weekly income). It is now March 8, 2010, and I have yet to receive further information from either NACA or Bank of America. I have called BOA and was told to wait an additional 2 weeks to hear anything.

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 been trying to get a Mod from the evil Chase bank for 22 months.

There is an event in Sacramento CA going on right now. Though this is long, it is only a portion of the story. It was such an loooong process, but people all around me were getting results. Once finally getting to the B of A lender and after he had gotten up and sought out managers three different times, the only thing he could do for me was send my information on to NACA advisors for further review.

I have an incredibly long story like so many people. The shortest version being in 2008 I built my home of my dreams on land, 2 acres, I had inherited from my deceased father.

After a year of construction, I converted a one-time fix construction loan to a mortgage. Options the bank had offered at the beginning of construction were no longer offered when I went to convert. I was set on a 30 year fix and did not want any of the ARM loans that were being written and that is exactly what I ended up with. Sadly, in the zillions of papers I signed, the bank covered their self and in the end, I had to sign for this loan or end up in a penalty phase and serious fees were going to be leveled against me. One month before my first mortgage payment was due, I had contacted a negotiator to attempt to help me contact the bank because I was getting no place on my own. I have a file four inches thick of paperwork and communication with the bank. I have been in foreclosure for four months and avoided a sale three times so far. I have paid full payments, no payments, half payments, and doubles to catch up all on the advice of the latest clerk I happened to get in contact with at the bank. I at one time qualified for some form of modification where they accepted partial pays only to have been kicked out of that program for a payment that they say I sent in late. To be told after that, sorry I simply just did not qualify. I think I read somewhere on this thread that one man was willing to piddle on a spark plug if that would get his mortgage modified.

I have three children and this home sits on land that has been in my family since my Dad was 17 years old.

Now that the NACA event has ended, I am having great difficulty getting in touch with anyone with the numbers given. Tuesday of last week, a negotiator trying to help me was told by B of A that NACA had my file and they could not speak to him. Last night out of pure frustration, I sat down to search Bruce Marks and in the process find this forum on loansafe.