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We feel that a loan modification would benefit us both. We would appreciate if you can work with us to lower our payment so we can keep our home.

We are trying to be proactive because we want to preserve our good credit rating as well as our most important asset, our home.

We truly hope that you will the loan depot consider working with us and we are anxious to get this settled. 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. 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.

SPS (Select Portfolio Servicing) is just the servicer of the loan............... The comments by me and the materials available best loan companies 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.

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. Currently I am trying to get ahold of the guy from Hope Now to see if he can help with this.. I really wish I had a different person helping me, this guy seems like he doesnt want to waste his time Hello. I tried calling so many people on this but no luck so far.


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I called the HOPE line first and they did not know about it.

Instead they told me not to pay for my credit cards but pay for my house instead. I reached one person who gave me a number of a person and that person asked for a BIG fee to modify my loan but not with the HOPE program. So best loan companies if anybody got a hold of the right person to talk to please inform us. 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 payday loans locations the opinions of the firm or any individual attorney. Please Read our I qualify for the new FHA loan Program with ONE problem. So, who should I ask to see If the 1st and 2nd are with the same lender - does that automatically disqualify you from the FHA Program?

Then as I informed above in the search for this HOPE program I had called the 1800HOPE line and they had taken my financial information and they said they would submit it to my bank. Yesterday I called Countrywide to ask them about the HOPE4 HOMEOWNERS BILL and as soon as I gave them my loan number they said my case was forwarded to their hardship team.

I called the hardship team (they are now called HOPE team) its a 3rd party. THe HOPE team said they could not see my details because Countrywide did not send them tha package yet and also I am supposed to get a package from Them by FEDEX regarding a loan modification. So I guess this means that they will send me a loan modification offer. Should I still call Countrywide and ask about the HOPE4Hopmeowners bill? Or Should I wait for this fedex package and see what that brings? For Hope for Homeowners (which is a new FHA loan being placed on the property for which your current investor would need to accept a short payoff, that is what you would need to ask Countrywide........... 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 Hope For Homeowners (H4H) is a crock.

Yes, it will help people who are upside down on their loans, IF they have access to cash (lots of it), and can afford a fairly hefty mortgage payment. This best loan companies is another load of BS wrapped up in a neat little package personal loans jacksonville fl to make us all believe someone is actually doing something to help us. FHA will place a lien against your property in second position called a Shared Equity Mortgage (SEM) which is the difference between the appraised value, and the original principal balance of the H4H loan. This will be recorded as a second trust deed against your property. But apparently they are not satisfied with just being reimbursed, I guess.

Finally, for the first five years of the H4H loan, you may not take out a second trust deed except for the purpose of repairs required for health and safety issues. The reading does state that HUD in the SAM may agree to split the SAM with the current best loan companies lien holders in order for them to release or sign off to make this happen.

If someone participates in this program, and they refinance at anytime, does the lien for the shared appreciation stay until the house is sold? My question is who does the negotiating with the current lender and gets them to waive or write off the difference. Is it the mortgage holder, the new lender, a 3rd party? There is ALOT of information on this H4H Program on the FHA website.

I have spent hours on it and continue to learn something every time I visit.

Today I found all of the ACTUAL loan best loan companies Origination documents that your FHA lender will give you at closing! I am dropping off my package to him this weekend or Monday - depends on if I what do i need for a payday loan can get it all done!!

FHA is encouraging lenders (CW) to accept the loan write-off. The SAM (Shared Appreciation Mortgage) and the SEM (Shared Equity Mtg) BOTH stay on the home until it is sold - could be 1 year or 50 years. It is registered at your local Courthouse like a Lien and does not come off - ever - until paid.

There is a time limit before you can Re-FI and still keep the home. I think it is 5 years, but it is all on the FHA website. The SAM (Shared Appreciation Mortgage) and the SEM (Shared Equity Mtg) BOTH stay on the home until it is sold - could be 1 year or 50 years. It is registered at your local Courthouse like a Lien and does not come off - ever - until paid. There is a time limit before you can Re-FI and still keep the home. I think it is 5 years, but it is all on the FHA website. 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 best loan companies their underwater mortgages. With many homeowners facing foreclosure and very few options. These loans are made when an NOD (Notice of Default) has been filed on a borrower. Many companies see your bad fortune as an opportunity to steal the remaining equity from your home, often leaving you both homeless and penniless. A Lease and buy back is when a lender will enter into a contractual agreement with you to purchase the home for a 12 month period and then sell you the home back (At the same price) The Max. There is an actual LTV formula but I will spare loans for bad credit in nj you the calculations.... Your credit score and payday loans for bad credit direct lenders no fees employment history will be checked, however, they are not a factor on whether your best loan companies loan is approved or not. The borrower must have the ability to pay the monthly payments...