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If anyone else out there has this info, your help would be truly appreciated.

I feel so very blessed, but it does seem too good to be true!!!

Does it have to be the same as thats what you afford. If they set this amount, and your taxes were to increase, would they adjust your rate down a little. I am so thankful for Tony Chavis who initially pushed for my trial payments and now a special thanks to Arielle Cabral who is Thanks to all the NACA staff for what you do. I went to LA Convention center this last week, but have had a difficult time getting any responses from NACA recently regarding a solution for my mod. Where do we find NACA emails to contact them, this would be very helpful. If anyone else out there has this info, your help would be truly appreciated.

I also emailed some BofA contacts I found on this forum and I think that really helped. I stuck getting a limited response from NACA and BofA for months so I had to step up my contacts and sure enough I started to get emails and FedEx offers...

Good luck and just keep calling and tell anyone who will listen that you intend to keep your house!! I will have to pay that last 45k, when fast loan bad credit I sell or transfer title on the house, but I can deal with that. I fast loan bad credit think they are kind of creative with the way they make the numbers fit pretty close to what NACA suggests.

I spoke to a counselor from HUD once and she said that the trial payment will basically become your payment. VEEGEE, thanks so much for your response, and I do indeed intend on keeping my home. Thanks fast loan bad credit for all of your input, you are an angel amongst us.

We were told the investor would not allow modification in August and the bank would only accept full reinstatement. We put the house up for short sale, but were talked fast loan bad credit out of it by a friend instant money online who told us to NOT give up and to try the OOP at B of A.


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We sent the OOP a letter detailling all our woes, they reopened the case. After we ez money installment loans waited only three hours to get in, we sat for three before i loans for very bad credit need loan we were seen by a B of A rep that there was nothing they could do, that our investor would not allow for modification. We asked for a NACA rep to sit with us to negotiate. The NACA rep reiterated there was nothing they could do. Someone higher up from B of A came to our aide, and suddenly the investor was able to give us a different plan. We had 83,000 plus in arrears that was tacked onto the back of the loan as a balloon payment with no interest accruing on that amount. This is NOT a perfect solution, as we are still nearly 350,000 upside down in our home, but we are so VERY thankful that we are at least going in the right direction and are able to stay in our home VERY comfortably for the next five plus years!!! My husband was ready to walk away when the first B of A rep told us there was nothing that could be done. Thank God there was something that COULD be done and we fought for it!!! The NACA experience has been a very good and humbling experience for us. We really felt for the families that walked away crying - bad credit and need a loan some happy and some sad tears.

I fast loan bad credit wish I had some positive comments regarding NACA, but my 4 pages of phone logs in attempts to try to make contact with NACA and Bank of America well - its been so frustrating...

With this information I felt comfortable to go ahead and make our payment online, I did so on the 6th. On Friday the 7th I receive a Fed-ex pack which contains the actual agreement and a much higher payment that reflects NO impounds, a clear requirement of payment via cashiers check.. Bank of America on the other hand had me in transfer heck as I was transferred in error on multiple occasions... We want to keep our home, we want to make our payments and we want to work this out...

Does it have to be the same as thats what you afford. If they set this amount, short term personal loans and your taxes were to increase, would they adjust your rate down a little.

Hey there Mike and Veegee - since October things have moved along, both Kevin Winn at NACA and BOA Advocacy line have been very helpful. In the process I also received invaluable help from Lynn Willhite out defaulted loans of NC. So - Loansafe Members who are working with NACA - please check out this link Get free mortgage help today.

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. The details say that this will require a PB deferral with a 3 month trial period. If all required payments (3) are received on time, the Permanent Modification will begin with the January payment. These are the exact terms that NACA asked for and it is the first time it has been submitted. The details say that this will require a PB deferral with a 3 month trial period.

If all required payments (3) are received on time, the Permanent Modification will begin with the January payment.

These are the exact terms that NACA asked for and it is the first time it has been submitted. A PB deferral means that a portion of your principal balance has been deferred and this amount is non-interest bearing and non-amortizing.

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.


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Please fast loan bad credit Read our Privacy Policy and Legal Disclaimer Thanks for responding.

Do you have any idea on the NACA process now that we have been approved for a modification? I am still a little cautious about being too excited.

We received the escrow analysis last week so we thought that was a good sign we would be getting details about the permanent modification. I called today to schedule the January payment and found out that we now have a new loan servicer.

We have to contact Caliber Home Loans for more information.

You should not need to restart the process because your loan has been been transferred to a new servicer. Contact HSBC immediately to inquire about the permanent modification and ensure all details of the easy money loan agreement have been transferred over to Caliber Home Loans. The comments by me and the materials available at this web site are for informational purposes instantloans 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 Privacy Policy and Legal Disclaimer Thanks for responding. I talked to someone at HSBC and it sounds like the modification will be permanent before the transfer. Do you have any idea on the NACA process now that we have been approved for a modification?

I am still a little cautious about being too excited.

I also went through Naca, so you do not have to do anything with Naca but abide by your 3 month trial modification. Naca was my middle person between me and my servicer, since I kept getting the runaround abt my servicer not receiving my documents.