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The Strategy for Settling a 2nd works best when negotiating to settle an underwater 2nd. However it appears your 2nd could very well be in-the-money. A CMA from a RE agent who farms your neighborhood will be free. That represents the costs Citi would bear post FC to resell the REO property. Those costs include carrying costs, fix-up costs, and cost to resell, including RE commission. Needless to say, that amount will be higher for a more expensive property.

I am very sure that I had read in the Hamp guidelines rulebook that once your 1st loan has been permanently modified then they will not, or even can not, ask for any additional information from best online loan you.

I do have a current valuation as I live in a condo building in NYC and keep very close track of every sale that takes place. The question is whether it is true what is said in the Hamp rulebook about being required to use NPV 5. I stopped paying my citi heloc May 2012, it was charged-off Feb. I am confused, because it seems like Real Time Resolutions needs approval from Citi heloc to do anything or negotiate Even billing statements ask for checks to be made to Citi.

Can Real Time Resolutions collections FC on my house, do I still have a change to Settle with Citi? Hello - not sure if this is the right place to post.

I quit making my payments on my Citi 2nd mortgage back in early 2012. The home is now in my name and I have modified my 1st mortgage into my name and at a payment I can afford.... I have not heard anything from Citi since early 2012.

Should I contact them or just let it sit since I am not hearing anything? CitiMortgage held the 2nd on my home and was subsequently crammed down to a non-secured creditor. Fast forward to 2012- I applied for a modification for the 2nd and much to my surprise the loan was extinguished. I was still in my bankruptcy at the time so I assumed that Citi would withdraw their claim. And subsequently, cashed a payment from the trustee that they were not best online loan entitled to. Beware of CitiMortgage, one hand does not know or care to inquire what the other hand instantloan is doing. Hamp will not intercede nor will the Trustee who is supposed to ensure that legitimate creditors are paid. My biggest nightmare is that I will be sued despite having solid evidence that the second was forgiven. 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 house is still underwater so this could be the reasoning.

Can they still collect or foreclose on it once it has equity? If you can answer all of that, I can give you a decent answer on how to proceed forward.

Being that your still underwater is wonderful, if you wish to negotiate this. If you can answer all of that, I can give you a decent answer on how to proceed forward.

Being that your still underwater is wonderful, if you wish to negotiate this. Citi is no longer sending statements and they are still the services as far as I know.

If the loan is truly charged off - no more interest is being collected transfer money to bank account or accruing. Whenever you pay off your first loan or attempt to refinance or sell -- you will just have to pay off there lien. You can still quit claim deed the home to a relative, or family, but you cannot sell the house without paying off their lien.

As long as you keep your 1st Mortgage, and Property Taxes current, you should be fine. Citi may be willing to settle the account for 5 to 10 cents on the dollar.

That may be significant savings compared to what the pay off might be in 10 years. On your security instrument, deed of trust, or mortgage recorded in public record... A lot of title agencies will actually accept the lien as expired after that date and allow a sale without a payoff so long as there is not a new recording from the loan servicer. This is not completely guaranteed but is a fairly good shot. I would honestly look into potentially getting a settlement.

If you can settle this for a few thousand dollars, I would consider borrowing the money from family, a credit card, something if you can. Since it past the SOL there may be provisions (similar to NY) where this is possible. Does anyone know the best way to contact CitiMortgage to discuss settlement? Every number I call they have no record of my mortgage and cannot help me. Since they sold off their mortgage business all of their numbers go to the new firm that took it over.

My lien with the county recorder still shows as CitiMortgage. 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 wanted to start a new thread to ask what you think of my current situation. As described in the other thread, our first mortgage just reset best online loan from interest only to a standard 20 year fixed loan.

My question is about the best approach to getting a good loan modification.

Payment will be reported as unpaid to credit bureaus if not paid by May 31st.

There is an escrow account tied to the payment for taxes and insurance.

The next tax payment is due June 1st, but there is plenty of money is the escrow account for them to make that payment. If you are not late, they will probably not help you because you are not a risk loss for them and there will be no reason to mitigate the loan.


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With that said, if it is too much for you to afford and you will be late anyways, might as well be late now and start playing the loan mod game with your servicer. There is really no set approach to obtaining a loan modification other than preparing mentally for a long drawn out fight and to be patient through the process.

I recommend you read my article on loan modifications at this cash advance texas link: 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 best online loan 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 bad credit personal loans michigan and may not reflect the opinions of the firm or any individual attorney. I do know that I need to either settle or do a loan modification.

It seems that I could get a single loan fast online payday loan that could potentially cost less.

Should I try and settle first or do a loan mod payday loans in missouri with Citi and then look for a single mortgage option? I could potentially put some cash down against the principle as well to lower the balance.

In my opinion, I would settle and then go for a loan modification.

But unless you are late, then you will most likely be denied and if go late hoping for a loan mod and it does not come through, then a refinance is out of the question. 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. I wanted to start a new thread to ask what you think of my current situation. As described in the other thread, our first mortgage just reset from interest only to a standard 20 year fixed best online loan loan. My question is about the best approach to getting a good loan modification. Payment will be reported as unpaid to credit bureaus if not paid by May 31st.

There is an escrow account tied to the payment for taxes and insurance.

The next tax payment is due June 1st, but there is plenty of money is the escrow account for them to make that payment. If you are not late, they will probably not help you because you are not a risk loss for them and there will be no reason to mitigate the loan.

With best online loan that said, if it is too much for you to afford and you will be late anyways, might as well be late now and start playing the loan mod game with your servicer. There is really no set approach to obtaining a loan modification other than preparing mentally for a long drawn out fight and to be patient through the process.

I recommend you read my article on loan modifications at this link: 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. I do know that I need to either settle or do a loan modification. It seems that I could get a single loan that could potentially cost less. Should I try and settle first or do a loan mod with Citi and then look for a single mortgage option?

I could potentially put some cash down against the principle as well to lower the balance.

In my opinion, I would settle and then go for a loan modification.

But unless you are late, then you will most likely be denied and if go late hoping for a loan mod and it does not come through, then a refinance is out of the question.

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.