How do i get a personal loan

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. And yes, Citi has to use a brain and fill out a low interest payday loans online form, which they refuse to do. Citi Mortgage of course denied me again - they really just screwed up.

I was very unhappy with their so-called Executive Response Unit. They can choose to sit there with their little computer and just hit the send button, or they can put some brains behind it. So far, all I see is that they have no desire to put their brain into it.

Citi says it has to use a bonus I got in March as income - WRONG. I gave them private company documents showing that the bonus program is on the chopping block for next year.

Citi says Freddie Mac is the one that runs the Imminent Default Calcs, not them - WRONG. According to Freddie, the Servicers run that model using their Loan Prospector Username and Password. Citi just wants to shuffle paperwork and get their government money and blame it on someone else. I live in San Bernardino County where Mortgage Resolution Partners is trying to talk my County into using eminent domain as a mortgage modification strategy. While I feel that the public power of eminent domain should be used sparingly and wisely, I feel that if the County does go this route, and more cities and counties how do i get a personal loan follow suit, then the banks get exactly what they deserve because of nonsense like what has happened to me. The only reason why I was asking is because the Freddie Mac Standard Modification program is NOT the same as HAMP or under HAMP guidelines if that is the program they were looking into for you.

As far as capitalizing delinquent taxes, servicers should capitalize any escrow advance that has been or will be paid to a third party 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 how do i get a personal loan 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 Cat Damiano - I have already cited chapter and verse of that same Standard Modification document to Citi Mortgage on many occasion for the past year.

Also, they are telling me NOW, two years later, that they canNOT capitalize property tax arrearages. This whole thing is just becoming a battle of the wits and patience!

I am not sure if you ever saw the The Princess Bride and the scene where they are doing a battle of the wits to see which cup the poison is in and heard the dialogue of how they justify their decision on which cup to drink. The Standard Modification Exception I am referring to says: Servicers are delegated to approve modifications that meet the eligibility criteria published in Guide Chapter B65. This includes modifications where the gross UPB (prior to capitalization) creates short term loan rates a MTMLTV ratio that is less than 80 percent. I know they have to submit the request using Loan Prospector, and my category, as I see it, is Risk of Ownership. Not sure if that will work, but I will try anything at this point! Any ideas on where I can find that - the real ones, not the ghost ones. The comments by me and the materials available at this web site are for how do i get a personal loan 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. I contacted Michael Cardace again and asked him to find someone who cares this time to help me. The last Executive Response Team unit person he put me in touch with was very helpful in sharing information but was apparently not authorized or did not want to do much beyond that. My situation takes applying some brains and not just regurgitating the computer information.

My poor little homeowner support specialist who has a caselog of 150 - he gets it, but he is not authorized to do anything. So, I am hopeful that Michael can do something before I start my email assault on the Citi execs.

I qualify for the Standard Modification, period, and also for the Exception, period - I have even read the list of computer inputs for the Imminent Default Indicator computer model. I am planning to also contact my congressman and complain about Citi and Freddie. This is a game, and frankly, I have a job and a family to support, and I am getting tired of playing. And, looking through these threads, I find that you and possibly one or two others are about the ONLY people who have gotten their mortgage modified with Citi as their servicer. I see more posts for successful mods by other lenders than successful mods through Citi. So, I have no other information than to agree with the rest of how do i get a personal loan the world on how bad Citi is to deal with.


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I have demonstrated hardship, I have demonstrated how I can pay, I have demonstrated how I qualify - period. If Michael Cardace cannot come through and find someone who will work with me and get this loan presented correctly to Freddie Mac, as I have shown them on countless occasions, then yes, I will declare my own mortgage war!

One of the pay day lenders programs designed to help homeowners who are unable to keep up with their mortgage payments is known as the Home Affordable Modification Program. The Home Affordable Modification Program, more commonly referred to as HAMP, is essentially a debt reduction program that involves the government helping out in repaying a remaining loan balance. Servicers may elect to forgive principal under HAMP on a stand-alone basis or before any modification step in order to achieve the target monthly mortgage payment. There are multiple guidelines and requirements that must be fulfilled in order for a homeowner to be eligible for the Home Affordable Modification Program. The first guideline involves a requirement that the loan must have originated prior to January 1, 2009. This requirement was enacted to ensure that only those homeowners that experienced financial difficulties during the mortgage crisis were allowed to take advantage of the program. Homeowners must also provide proof of residence, preferably through a utility bill. Those who invest in property and receive passive income from investments are not eligible under the Home Affordable Modification Program. Homeowners must also have a recent appraisal or one that is not older than 60 days. Borrowers must also provide proof of income level by submitting the appropriate IRS forms. 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 25 years. I hit hard times about 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 recent hardship, it is our full intention to pay what I owe. 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 payday loans in las vegas legally from their underwater mortgages. I have been in a HAMP loan for the last three years. My lender is Ocwen, and I just asked them for a payoff quote. I was curious on what I owe compared to the homes value.

Do payoff quotes include the balloon payments for that time? Am I to assume that were I able to actually pay off my mortgage that the quote they gave me is all that I could be billed for? But sometimes they do not include the balloon and I assume this is what may have happened here. Did you try to do the numbers and or compare it to your loan modification numbers? 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.

But sometimes they do not include the balloon and I assume this is what may have happened here. Did you try to do the numbers and or compare it to your loan modification numbers?

But sometimes they do not include the balloon and I assume this is what may have happened here. Did you try to do the numbers and or compare it to your loan modification numbers?

Yes, I did review loan for bad credit history the numbers, and that is why I questioned it. They do not spell out a balloon payment due in the documentation, either. Seems strange to me to leave it off, considering if I were really planning on doing that, I would have an incorrect figure. I appreciate knowing that they can, in fact, come back and add it in.