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Please Read our Privacy Policy and Legal Disclaimer So I finally get my NACA file submission completed to BOA loss mitigation department.

I work my butt off weekly, so instant online payday loan much so that I deserve my house!

I hope this will stop the foreclosure process as well.

My lawyer is great and has been very successful defending me thus far...

I just want tobe done with it all and move on with a normal life!! If anyone has and suggestions on what to do no to contiue the pro-activity I am VERY open!!

You seem to be going about all the right necessary steps and are doing a great job bringing attention to your account. Just continue being proactive like you are now and once a rep is assigned to your account I would follow up with them at least 1-2 times (if possible) per week to ensure there are no problems or missing information for your file. 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 cash loans fast no credit check author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer If you recently contacted the OOP this is most likely the reason Rosa is now contacting you. It could be that see is your new point of contact and wants to go over some numbers or request additional info. Remember you do not have to get too in detail with her if you do not feel comfortable and let them know that you are working side by side with NACA to help modify your account. Personally I would go ahead and call her back to find out why she was calling and if anything is needed from you. If it is a simple request for documents I would go ahead and get those together asap to avoid any future delay in the process. Please be aware that any contact you receive directly from your servicer will have no association with your NACA file.


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Our agreement with BOA requires that all communication regarding your NACA proposal must be made through your NACA file.

As Evan noted, let them know that you are working side by side with NACA to help modify your account. If they ask you directly for documents, the request is coming from a different department that has nothing to do with your NACA file. By sending them documents directly, you will create a separate file at BOA that is not associated with your NACA proposal and that NACA cannot help you with.

Evan, as always, thank you for your excellent advice to homeowners, your support of NACA and all of your outstanding work here on LoanSafe. I keep playing phone tag with the person from the OOP.

She e-mailed me and I replied however she has not e-mailed top personal loans me back. She called my parents home, which is in a different state and I politely asked her to not do that and provided her with the correct number, whcih she called today. I have her bosses number so 5k loan I may go that route if need be. I just wanted to let her know that it was submitted and I did so in my e-mail to her and the president himself. Gonna cool it now for a little bit and play the game. Thanks a lot again for the support and information!

Thank you Tim for the kind words and always taking the time to help out members here in the community!! NACA has done wonders for countless homeowners around the nation and we will continue to support the wonderful work you have accomplished! 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 cell phones for bad credit 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 instant online payday loan Disclaimer Thank you for the kind words and we will do everything we can to help and support you along the way during these difficult times.


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Make sure that if you instant online payday loan call in for updates you always inform them you are working with NACA just in case a different department attempts to open a separate file for your account. 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 payday loans in virginia individual author and may not reflect payday loans shreveport the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer I just had my file submitted to BOA through NACA.

My home has been involved in foreclosure proceedings since last July.

My lawyer has successfully set the foreclosure aside once and will be doing this again on Dec. 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. Regarding the investor on your loan, the message through the NACA file will most likely not get a response. Typically it takes a letter to get the servicer to disclose who the investor is. However it is also possible that the loan is part of a Mortgage Backed Security (MBS).

Regardless, my suggestion is to not wait for a response to the email and proceed with sending them a physical letter with the request to identify the investor.

I have previously sent payday loans online no credit check a RESPA letter to BofA and received a response (this is buried earlier in the thread here). They stated in the letter at that time it is Wells Fargo DBA and gave a number. Cat Damiano helped me search this through the MERS database and it appeared to be a MBS that Wells Fargo has in part for Deutsche Bank. That is why I asked again through the NACA instant online payday loan email just to see what they would say and if it would be a different investor again.


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Today I received a call from my BofA point easy online payday loans of contact who stated that my NACA application that had been forwarded to the investor was turned down for a modification because the loan would have to be extended too much. The BofA contact stated that my NACA file would be closed today for this reason. The BofA contact stated she is updating my NACA file with this information today.

The BofA contact stated that the investor is Well Fargo. I asked if the investor is Wells Fargo alone, or is it Wells Fargo DBA as a trust? I told the contact that it was my understanding that NACA could work directly with the investor on a modification. The BofA contact said no, can i get a personal loan with bad credit that NACA is only a third-party portal to submit documents to the servicer who then submits these to the investor and that NACA has nothing to do with in assisting to get a modification directly with the investor. It appears that BofA presented my modification application to the investor without any principal or interest-rate reduction or any other modification but rather just as is. The BofA contact stated that my only options now are short sale or deed-in-lieu. I said I have no intention of doing a short sale or deed in lieu, but that I will continue to work with NACA to get an application for a real modification presented directly to my investor instead of through BofA. I am scheduled to attend the NACA event here in Sacramento on April 25. I strongly believe that BofA has been purposefully obstructing my attempt at getting a modification because they do not know who the real investor is, which is probably an MBS trust.

If easy personal loans with bad credit other customers are getting principal and interest rate reductions, etc. While I realize that what the BofA contact told me on the phone is not what is yet in my NACA file, as Tim has previously mentioned here, I am confused now because I thought that NACA restructured the loan for a modification and presented this directly to the investor?