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I reached out to my servicer, JP Morgan Chase, who accepted paperwork from me to approve me for an unemployment deferral.

I had to go through the application process all over, for unemployment assistance they approved me, though. I called, explained that if I were able to pay such a balloon, I would not have needed assistance to begin cash advance louisville ky with... And, like a true idiot, started making payments to them, beginning March 1 of this year. I sent another round of application paperwork, essentially asking for help with the amount I had in arrears from my unemployment...

I payday loans spartanburg sc appealed their decision, and they denied me again. I would simply refinance into another mortgage somewhere else, but...

SPS cash advance louisville ky has all kinds of things on my credit report that would make that impossible. Does anyone have any information, as to if what SPS is saying is true - that I am only allowed one modification on my mortgage? I appreciate any insight or guidance you panel of incredible experts might have! Find out if SPF actually is the lien holder now and not just the servicer.

You can check with your county register of deeds and see who has the mortgage and lien.

Find out if SPF actually is the lien holder now and not just the servicer. You can check with your county register of deeds and see who has the mortgage and lien. SPS Servicing - the organization who told me that I was not eligible for a second modification - is just the servicer.

There is no possible option with them to, say, refinance. The organization that filed the notice of default is a completely different organization, however... No idea what their relationship is to SPS Servicing. I have a small car loan that is nearly paid off, and a student loan - all in good standing.

My credit rating was in the high 700s before this all happened. Now it hovers between 620 - 650 if I file bankruptcy, I am sure it will plummet below 500. While that will at least give me the ability to cure my default through payments on the arrears, it will bind me to SPS as my servicer, as my chances of getting a personal loans nashville tn refinance into a decent loan would be eliminated due to my credit being destroyed. If I could refinance, I would have done that already... Erik will chime in soon, but there is definitely a way to refinance this.

There is always hard money as well if it comes to it.

I am astonished that I am receiving this at this point... I wish cash advance louisville ky I could say what it was that triggered the sudden loan modification approval... These days you never know what servicers are going to end up doing. Glad a positive light has been shed here, we will all keep our fingers crossed that the permanent mod is granted for you.

If you ever have any random questions that need to be answered right away, feel free to call our 800 number.


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I am typically the one that answers the phone and will help as much as I can. 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, loan pre approval or walk away legally from their underwater mortgages. The comments by me and the materials available at this web site are for informational purposes cash advance louisville ky 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 Hi Moe, my servicer is PHH but I have no clue about them. Now I am working with NACA on my loan, but no response from PHH for 2 months. Lost my job in Ohio and am now approaching 4 months behind on mortgage with Huntington Bank. Have been working with the Loss Mitigation Department, Wendie Mullens and she keeps kelling me that she can not just easy money cash loans modify my loan although I have supplied everything she needs to do so and even involved NACA with no success. Wendie tells me that since I have a HUD loan (Ginnie Mae) that this is what they require. I called HUD and they do not have a clue what the Bounce Back program even is.

Also, I was told Hud does not require a 3 month repayment history to be established before they wold modifiy a loan, which is what the bank told me. I feel like I am going to be taken because all signs point to a modification denial. Does anyone know about this program and if so might you know the statistics on how many of the homeowners are approved for a modification after being on it? I have found to not put your account number in will get you to loss mit vs. My wife (primary noteholder on this home) has undergone three modification attempts with ALS (servicer). Each and every time she is dealing with what I can best describe as a boilerroom... We went to a NACA event recently in hopes of getting some real help. Investor: ALS - Wilmington Trust Co, Scottsbluff, NE (Would this mean that Wilmington Trust holds the note but ALS is in fact the investor? Lost my job in Ohio and am now approaching 4 months behind on mortgage with Huntington Bank. Have been working with the Loss Mitigation Department, Wendie Mullens and she keeps kelling me that she can not just modify my loan although I have supplied everything trimark funds she needs to do so and even involved NACA with no success. Wendie tells me that since I have a HUD loan (Ginnie Mae) that this is what they require. I called HUD and they do not have a clue what the Bounce Back program even is.


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Also, I was told Hud does not require a 3 month repayment history to be established before they wold modifiy a loan, which is what the bank told me. I feel like I am going to be taken because all signs point to a modification denial.

Does anyone know about this program and if so might you know the statistics on how many of the homeowners are approved for a modification after being on it? Lost my job in Ohio and am now approaching 4 months behind on mortgage with Huntington Bank. Have been working with the Loss Mitigation Department, Wendie Mullens apply for loan with bad credit and she keeps kelling me that she can not just modify my loan although I have supplied everything she needs to do so and even involved NACA with no success. Wendie tells me that since I have a HUD loan (Ginnie Mae) that this is what they require. I called HUD and they do not have a clue what the Bounce Back program even is. Also, I payday loans pensacola fl was told Hud does not require a 3 month repayment history to be established before they wold modifiy a loan, which is what the bank told me.

I feel like I am going to be taken because all signs point to a modification denial.

Does anyone know about this program and if so might you know the statistics on how many of the homeowners are approved for a modification after being on it?

Nearly 11 years have passed since this message was put out there. Luckily, my home was in California which was a non-recourse state, so Huntington got ZERO from the fact that Wendie Mullens COULD HAVE gone a long way to mitigate losses on my property, but was too lazy and incompetent to do so. 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 am Writing a hardship letter to my mortgagor who was Ocwen but now is changing to PHH. I wanted some advice about my hardship letter that I would like to send, please give me your thoughts on my letter. My situation is I fell behind on my mortgage and now Owe 6400. This letter explains the difficult situation which caused me to fall behind on my mortgage payments. I would like to be considered for a loan modification to forgive the delinquent payments in order to get me caught up and prevent future delinquency. My main goal is to keep my home for the long term I have worked for Essendant as a Warehouse Lead for the last cash advance louisville ky 25 years.

I hit hard times about loans 4 you eight months back and fell behind on my payments because loss of hours at work and my wife being sick and not being able to work she has Fibromyalgia. Our income together is now becoming stabilized, and improving. So despite my easy payday loans direct lenders recent hardship, it is our full intention to pay what I owe.


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We would appreciate your consideration to take what is owed and put it to the end of the loan, to help us get caught back up, and get back to paying our mortgage, so that we can afford to stay in our home for now and the long term. I sincerely apologize for getting behind on my mortgage, but as you see circumstances have prevented my keeping up with the mortgage. 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.

We fell behind on our mortgage last year due to cash advance louisville ky a large medical expense. I continued to rack up late fees so I asked them for a loan mod.

But unfortunately it was a forbearance plan which is only temporary. After 6 payments I was kicked from the FP because it was set up to take 6 payments not 6 months.

So now I am right back where we started at 2 months behind. Our financial situation has not changed payday loans st louis best long term installment loans for bad credit mo since we were given the FP. What I really wish for is them to push the 2 months we owe to the end and have us start fresh. Please remember they are debt collectors and are there to collect the debt regardless of your personal situation, they simply do not care and will do what is best for them, every time. With that said, they have probably identified via their software programs and analysis that you have the ability to pay and this assessment does not worry for you or take into account that you are struggling and may lose your home. When you paid those payments, you showed the system you can pay. Also, they are trained to ignore requests and not give you help when you are not in severe distress or several months behind on your mortgage. With that said, you have to just keep asking and if it gets too much of a burden, you might want to consider strategically defaulting on your payments to invoke them to give you the help you need. The comments by me and the materials available at this web payday loans monthly payments 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.