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They told me my HAMP loan mod was complete, permanent and I would be receiving loan docs from WF to sign and return in the near future. I was told by my HPS (prior to mod) that it would likely stay the same, but could go up or down.... I was informed about this detail when I received my final HAMP documents in the mail. I got those at the end of June after my trial period was complete. Not to impressive on face value, but in five years was my concern.

If they continue to ask during your trial period, they may have you in an in house mod. I totally understand the risk of going back to underwriter to review the same day loan approval to reduce it bit further.

She requested me to send a letter to putting down the reason why I online loans instant approval am asking for this review (I have another student loan for which payment starting in Oct) and she will take that to underwriter. When WF receives the check I wonder they may treat this as my acceptance and will not consider my review request? Should I request stop check payment - but am afraid that is not a good sign to begin with 1st trial payment Appreciate any thoughts on how best I can handle this.

I totally understand the risk of going back to underwriter to review the approval to reduce it bit further. She requested me to send a letter to putting down the reason why I am asking for this review (I have another student loan for which payment starting in Oct) and she will take that to underwriter. When WF receives the check I wonder they may treat this as my acceptance and will not consider my review request? Should I request stop check payment - but am afraid that is not a good sign to begin with 1st trial payment Appreciate any thoughts on how best I can handle this. You might totally implode your HAMP and be sent back to square one if you do so. I would however draft up your letter and send it to your HPS for the underwriter review regarding your upcoming student loan payment. The worst that can happen is they say no and you remain in your HAMP trial. Or they accept the latest hardship and you get it.... Also, I may be just paranoid with our mail system, but I paid all my trial payment using check by phone.

Bascially you call your HPS and tell you want to pay check by phone. She will ask for your bank info from where your going to pay and bam! No risk of lost mail, third party screw ups and its very secure and no exuses on WF part to kick you out of your trial. My HPS told me that they should receive the payment within 30days of due date , to NOT to affect the approval package.

My first payment is due on Sept 1st, so technically I have until Sept 29th to complete the payment. Howevever I believe you are saying as what I am thinking with regard to doing a STOP payment - which may send a wrong signal to WF? My HPS told me that they should receive the payment within 30days of due date , to NOT to affect the approval package.


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My first payment is due on Sept 1st, so technically I have until Sept 29th to complete the payment. Howevever I believe you are saying as what I am thinking with regard payday loans fast payout to doing a STOP payment - which may send a wrong signal to WF? Remember, though you have the full month, as soon as they get the check, they will try and cash it. Putting a stop payment might send the wrong signal. My whole point is that HAMP is not an easy thing thing get.

The trial is far from permanent so there is time for adjustment if the underwriter accepts your lastest hardship.

I went ahead with paying on time and also attempted to push for further reduction. But as expected WF denied my 2nd request on day 1 (knowing that I have made the 1st payment Anyhow, I have just made my 2nd payment and I do think still what I have got originally is still better than losing home or having to pay too much... Recently (after 1st payment was made) I received a notice called Pre-foreclosure notice (aka acceleration letter). HAMP trial approval letter clearly stated that foreclosure activity will be stalled but why I got this letter...

I called WF today,they told me that once Trial period completes (all payments if made on time) - my loan will be permanently modeified at that time status will be updated to current. Until then I will continue to receive such notices... I went ahead with paying on time and also attempted to push for further reduction. But as expected WF denied my 2nd request on day 1 (knowing that I have made the 1st payment Anyhow, I have just made my 2nd payment and I do think still what I have got guaranteed payday loans cash til payday loans originally is still better than losing home or having to pay too much...

Recently (after 1st payment was made) I received a notice called Pre-foreclosure notice (aka acceleration letter). HAMP trial approval letter clearly stated that foreclosure activity will be stalled but why I got this letter... I called WF today,they told me that once Trial period completes (all payments if made on time) - my loan will be permanently modeified at that time status will be updated to current.

Until then I will continue to receive such notices...

This is where they permanently modify your loan terms and finalize it. I will so much appreciate it- Dear Shane I am very happy for your results. I will so much appreciate it- Were you able to contact Michael from the Loan Mod Help Center? He can make a call to WF with you on the line and also help you with the income calculations. You had posted that you thought that was what was causing the issue. The comments by me and the materials available at this web site poor credit loans unsecured are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find guaranteed payday loans here is easily available on the internet.


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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 Dear Shane I am very happy for your results.

After being denied several loan mods, I stopped paying my second in March 2011.

I started the HAMP process in Feburary 2012 and finalized everything in this month. I want to settle the 2nd but think I should wait until I pay my last trial payment Feb 2013 and get my permanent mod papers. I want to settle the 2nd but think I should wait until I pay my last trial payment Feb 2013 and get my permanent mod papers.

Really Short Version: Stopped paying in March 2011. Finish the mod on your first prior to settling second.

Since 2007, advance loans 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. It took forever and it finally worked out after numerous foreclosure dates, our attorney was finally able to land us a deal. Without the help of a professional (with integrity) we finally got a trial payment and eventually a final agreement.

We were sure at times that we were going to lose our home, stressed beyond belief, the whole show!

Bad economy, job loss, slow business lead to almost 5 years of not making a loans instant approval payment. Nearly five years of non-payment and achieving an affordable monthly payment is truly a miracle my friend 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 loans in minutes 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 Congratulations on your final paperwork and being able to keep your home. I was in the same situation as you until I got my HAMP mod. I have tried to contact BofA numerous times to try and refi the second but there is nothing they can do to help me out because payments have been on time and my wife and I still have our jobs. I guaranteed payday loans have been told by people to just stop paying the 2nd and let it go to collections where we can settle for pennies on the dollar. If I do this, will BofA still come after us for the debt?

Your patience is required as this will likely be a long process.


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You might get a CMA (free) from a RE agent who farms your neighborhood. I will try and get a RE agent to give me a valuation. Do I just ask or should I inquire as if I was interested in selling my home? Your recent purchase will have no affect on your ability to settle the 2nd mortgage, they really have no choice but to settle or sit on the account for years until you eventually have enough equity to foreclose. An agent should have no problem providing you a CMA. 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 Privacy Policy and Legal Disclaimer Thank you everyone for all o your advise!!!! We stopped paying the 2nd mortgage with BofA because they still did not want to work with us even after purchasing our 2nd property. Even though I felt really bad not paying, I went through with it! I would have posted this sooner but I lost my password and this thread. After about a year of not paying and ignoring the notices we received in the mail, we guaranteed payday loans finally got the news we were NOT expecting! I thought they were going to settle for payday loans payday loans salina ks online less at a lower rate but the letter COMPLETELY SHOCKED my wife and I!

We were hesitant on opening the envelope because it was larger than all the other notices they sent. Once we opened it, we read the first line and just felt RELIEVED!!! It read, We are pleased to inform you that your loan has been forgiven!!!!!!!!!!!!!!!!! There is a program that Bof A has and they set aside money to be able to forgive loans and also pay for fees come tax time, but they did not want to say anything if you are paying your 2nd mortgage. They attempted to set a meeting to go over finances in order to lower our rate but I refused! We also kept our house, because with the second mortgage paid off, it made it affordable. We are in a somewhat similar situation, but have not been lucky enough to receive that golden ticket of loan forgiveness. Sent BofA a Settlement offer back in November, but have heard nothing back. 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.