Bad credit loans online approval

Give me a call at 619-379-8999 or e-mail at If you have received a charge off on your 2nd lien and is older than 4 years we have the ability to refinance that loan (even if it is currently behind) under a regular conventional program.

There are a few members within this forum that I have already helped accomplish this. I know there is some sort of FHA Program for excruciating circumstances, but even that is difficult to get funded. I know there are Alternative Non-QM loans out there that ignore circumstances like this. If a first mortgage is behind in conjunction with a charged off 2nd the borrower would not be eligible. If a first mortgage is behind in conjunction with a charged off 2nd the borrower would not be eligible. I guess when the loan charges off - it stops reporting as late every month. As long as the first lien has been kept somewhat current, it would open up some possibiltles for the homeowner to refi. Care to share -- what the response has been for those (charged-off) loans you bad credit loans online approval requested a payoff quote for? I just sent her a message and asked if she could jump in and share her story, why she did it and how the experience has been so far. Our plan with her scenario is doing a loan with a very large lender credit to offset closing costs because cash out refinances do come with a bit of a premium. Some will not touch you for three years following a 30 day late. But once that loan charges off - it does affect your credit a little less, and make it a little easier to refinance it.

Our house WAS completely under at the time of charge off 3 years ago but now prices have been going up. Still somewhat under water if you incluse the charged off equity line but inching closer to not.

We tried settling before charge off but got nowhere. Our house WAS completely under at the time of charge off 3 years ago but now prices have been going up. Still bad credit loans online approval somewhat under water if you incluse the charged off equity line but inching closer to not. We tried settling before charge off but got nowhere. But something will have to be done at some point because they will eventually catch on Do you have a really good modification on your first?

It shows up on one of our credit reports but not the other 2 (not sure why that is). 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. If you are following the strategy guide in the first post of the following thread, then you would at this point not be communicating with them at all Yes I saw that, but my loan has been charged off and I am talking with a debt collector.

Yes, bad credit loans online approval both the first and second were original purchase money and it was initially purchased as a primary residence. Yes, both the first and second were original purchase money and it was initially purchased as a primary residence. 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 guaranteed loans no credit check 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 am new to cash advance bad credit the forum and in a similar situation. The first loan is with wells fargo 330k and the 2nd loan is with Citi which is a Heloc at 85k. This is what is an installment loan our primary residence and these are the oringinal loans. We have stopped paying on the 2nd loand and are 7 months behind. Charge off I here this take a big credit hit, banks are still willing to refi after a charge off of a 2nd loan? My credit has gone down to the low 600s and which was in the 800s.

Will this continue to drop and look bad on my credit report?

My 2nd (purchase money) with BofA (owned by BoNY) has not been paid on since April 2012. Contacted them to state (as I did with BoA) that I cannot afford to pay anymore on the 2nd and want to settle for whatever they would get with a short sale.

My understanding is that the cashiers check with the verbiage on the back, accompanied by a letter explaining my offer, binds them to my offer if they cash the check and do not return the money within a certain time (90-days? I have read the guide for settling the second mortgage, and know that no communication is recommend in that thread, but I cannot risk the lender suing me and garnishing wages. I am trying to get this resolved without paying a bunch of money, and without disclosing financials. B of A charged off my loan 2 yrs ago - I was getting nowhere!!!

It has been a long haul and at times I thought I would be getting a eviction notice or my payroll checks would start being garnished. I still have (1) credit card that I am worried about. I have read the guide for settling the second mortgage, and know that no communication is recommend in that thread, but I cannot risk the lender suing me and garnishing wages. If your 1st were to FC, your PNC 2nd would become a SOJL. However lawsuits, even by recourse SOJLs, have heretofore been rare in loans for low income families any state. If your 1st were to FC, your PNC 2nd would become a SOJL. However lawsuits, even by recourse SOJLs, have heretofore been rare in any state. I have looked up the legal use of Paid in Full or Settled in Full checks, and they are real.

I think they are usually used in collections and other disputes.

I have heard of 2nds Charging off, and Suing for Breach of Contract... I cannot give them my financials for obvious reasons.

We just got a letter from BOA today threatening a charge off and are debating on the settlement route or just letting it go. Snance, were you ever able to refinance your first after getting the 2nd charged off? We just got a letter from BOA today threatening a charge off and are debating on the single mom loans settlement route or just letting it go. I have been able to refinance my biggest issues was trying to B of A to Release the Lien.

After several nasty phone calls with the mortgage dept call center and with the help of Loansafe cash advance places I was able to obtain the email for the CEO for the mortgage dept.


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I emailed them, with about 10 days I had a letter in the mail box. I has several more correspondence each way then I got letter saying they had Released my Lien.

It took about a month and I had all the documents where my lien had been released and it was filed with the County Recorders Office.

AllTooMuch, unfortunately refinance will not be possible with a charged off 2nd. 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. Would you advise trying to settle, then, before charge off happens? Would you advise trying to settle, then, before charge off happens? Charge-off is nothing more than an accounting term showing the bank is no longer considering the loan good.

The release of lien is what is needed bad credit loans online approval and that only happens after a settlement or extinguishment. They would also like to work with us to reach a satisfactory payment arrangement. Is this the beginning of settlement negotiations, or should we wait for an actual letter with a proposed settlement amount? Since loans in el paso 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. When I googled Greenpoint I learned that Capitol One had acquired Greenpoint when they bought a bank and closed Greenpoint in August 2007.

Upon further googling I found the below: For those of you that are not already aware, Greenpoint Mortgage has sold ALL of their loans and servicing to Countrywide Mortgage effective November 29, 2008.