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The opinions expressed at or through this site are the opinions of the individual author and may not reflect the goverment loans opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Thanks. Michael already reached out to me by phone, almost immediately.....

Once again, I recommend, anyone who needs help, give Michael a call..... This is why we always recommend Michael and his services, his work ethic and diligence is second to none! 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. Based on the information you provide and can document the last 12 months, you may get a new loan you can afford to repay through the Fair Housing i need 500 dollars fast Act without having to sue your servicer or go through the application process all over again. Any attorneys fees paid or third party fees paid in trying to keep your home through applying for a loan modification may be recovered through an Administrative review through HUD without involving the court nor the servicer. I was instructed to stop paying my loan until I was given a new payment amount. I was informed that I did not pay my trial payments and instructed so I would not receive a new payment or loan modification. So I began the process myself- again- heart broken. I would be declined for making too much one month, the next month too little, I was declined over 6 times- all for a different reason that contradicted the previous reason. I even reached out to NACA and save my home California for help. He is not on my loan- was on deed but signed over interest.

I started calling and emailing the BOA CEO and faxing in the loan mod application every month. Then Eric Parra calls me from the CEO office saying he was calling to help me. I mean BOA has literally denied me for every reason under the sun- too to little income- to no response- to oweing too much to oweing too little.

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 HAVE TRIED FOR OVER A YEAR TO GET A LOAN MODIFICATION SO I CAN KEEP MY HOUSE.


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THEY KEEP GIVING EXCUSES AFTER EXCUSES AND NOT GIVING ME A REASON FOR DENIAL. WE FILED AGAIN AND THE CASE MANAGER FROM BAC SAID IT WAS DENIED CAUSE IT WAS PAST 12 MONTHS. SHE STATED TO TRY FOR THE HAMP PROGRAM BUT I HAVE A FEELING THAT I WILL BE DENIED AGAIN. I ALSO CALLED THE CEO OFFICE AND REQUESTED A NEW CASE MANAGER BECAUSE I DID NOT FEEL THAT SHE WAS BEING HELPFUL OR DOING HER JOB. I HAVE A DAYCARE BUSINESS OUT OF MY HOME AND I HAVE NO WHRE TO GO. THEY JUST GAVE ME PAPERS FOR FORCLOSURE COURT AND WE HAVE 20 DAYS TO ANSWER. I HAVE TRIED FOR OVER A YEAR TO GET A LOAN MODIFICATION how to take out a personal loan SO I CAN KEEP MY HOUSE.

THEY KEEP GIVING EXCUSES AFTER EXCUSES AND NOT GIVING ME A REASON FOR DENIAL. WE FILED AGAIN AND THE CASE MANAGER FROM BAC SAID IT WAS DENIED no credit check online loans CAUSE IT WAS PAST 12 MONTHS. SHE STATED TO TRY FOR THE HAMP PROGRAM BUT I HAVE i need 500 dollars fast A FEELING THAT I WILL BE DENIED AGAIN. I ALSO CALLED THE CEO OFFICE AND REQUESTED A NEW CASE MANAGER BECAUSE I DID NOT FEEL THAT SHE WAS BEING HELPFUL OR DOING HER JOB. I HAVE A DAYCARE BUSINESS OUT OF MY HOME bad credit loans no fees AND I HAVE NO WHRE TO GO. THEY JUST GAVE ME PAPERS FOR FORCLOSURE COURT AND WE HAVE 20 DAYS TO ANSWER. Attorneys are useless with the modification process and you might as well throw your money out the window. The help is free and if you have that type of income and monthly payment have you thought about going through a FREE service instead? It sounds as though you have an FHA loan, is this correct?

If you do have an FHA loan you can go through HUD, they would have the latest information about the process through FHA. FHA recently implemented changes that would help you if the reason for denial was due to the fact that you are more than 12 months past due and if you do have an FHA 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 i need 500 dollars fast i need 500 dollars fast 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 Hi Cat and Michael, We were told by BofA we were not able to be modified. Can you let me know how they are calculating the ratios? 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.


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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 america loan firm or any individual attorney.

Please Read our Privacy Policy and Legal Disclaimer OK, gotcha. Which would be more successful in escalating my file to underwriting?? Which would be more successful in escalating my file to underwriting?? 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 i need 500 dollars fast 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 Hi Cat and Michael, i need 500 dollars fast We were told by BofA we were not able to be modified. Can you let me know how they are calculating the ratios? Try contacting Michael directly and he should be able to go over your figures in detail and let you know where the issue lies. He can be reached here 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 I received a denial as well for the DOJ modification - saying my housing was affordable under the payment. Or, if you feel we should start a new thread, please move accordingly. We were offered two in-house mods during this period both of which just put what we owed on the backend, causing our payments to increase. This was after we filed Ch 7 bk because our sale date was 2 days away and although they said they put in for a postponement, we got nervous and filed.

We are sitting on pins and needles waiting for a new sale date. We did not affirm the house but would like to stay if possible. The person who helped with DOJ mod said we can go back to him after our discharge to try again.


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But, with so much overage, is it even worth it to try to modify anymore? Or, should we just pack our things and wait till they give us a new sale date and move to a rental? Any advice anyone can give will be much appreciated! What percentage are we or should we have to be considered for the DOJ or any other mod?

Or, if you feel we should start a new thread, please move accordingly. We were offered two in-house mods during this period both of which just put what we owed on the backend, causing our payments to increase. This was after we filed Ch 7 bk because our sale date was 2 days away and although they said they put in for a postponement, we got nervous and filed. We are sitting on pins and needles waiting for a new sale date. We did not affirm the house but would like to stay if possible. The person who helped with DOJ mod said we can go back to him after our discharge to try again. But, with so much overage, is it even worth it to try to modify anymore? Or, should we just pack our things and wait till they give us a new sale date and move to a rental?

Any advice anyone can give will be much appreciated! What percentage are we or should we have to be considered for the DOJ or any other mod? It also includes any escrow payment shortage amounts that are subject to a repayment plan. The monthly mortgage payment does not include mortgage insurance premium payments or payments due to holders of subordinate liens. If a borrower being considered for HAMP Tier 2 has a modified DTI ratio that is outside the Acceptable DTI Range, the borrower is not eligible for HAMP and the servicer must send the borrower a Non-Approval Notice, and consider the borrower for alternative loss mitigation options.

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 Question - would I need to include the arrears in calculating the ratio?

If so, how would I get the monthly amount for that? Would it be based on how many years we have remaining on the loan?

Question - would I need to include the arrears in calculating the ratio?