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Can we reapply for a new HAMP or ask for lower interest? Also we cash advance columbus ohio filed chapter 7 before we were approved and never signed a reaffirmation on the loan.

A loan recast will not reaffirm your mortgage unless you were to sign a reaffirmation agreement with Wells Fargo which I suggest you never do.

You can reapply for a loan modification, but it will be tough to obtain a new one. I suggest you first look at cutting down other expenses before you reapply to see if it is absolutely necessary because applying for a new loan modification will be stressful and take a lot of time. The payday loan apr 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 las vegas loans 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 Thank you las vegas loans again Moe, you have helped us through many problems. We have tried for a reverse mortgage but prices here in Virginia have not bounced back much, so we are low on the appraisal. When the time comes, if need be, we can walk away, since we have no reaffirmation. Maybe before you walk away, you try one last time for a loan modification. I have seen many people get 2 loan mods before so it is by no means impossible.

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 las vegas loans 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 Now WF has sent us a letter saying we can recast our loan. Can we reapply for a new HAMP or ask for lower interest? Also we filed chapter 7 before we were approved and never signed a reaffirmation on the loan.


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What the recast does is simply lower your monthly payments under the same term. If you do not take the recast, you will save interest but again, if you do take it, you will not be adding any more interest on to your loan or extending your term. 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. He has been out of work since December and collecting unemployment while he tries to find a position, last year he was only out of work for a month but this time we are going on three months. Long story short we are on our 2nd modification since 2012 and have fallen behind on the payments for the last year and a half. I have been calling in to Wells Fargo and making payments over the phone. I maybe could pay 2 months worth of payments before March 20.

Do you think they will go forward with foreclosure if I pay them two months worth of payments, then I will only be 2-3 months behind? If you were to make up some of the past due it may not hinder foreclosure proceedings if they have already initiated. That would put you in a bad situation when it comes to the amount of reserves you have available. 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. This is something that should have been done a long time ago and I figured we should stick a thread here for Wells Fargo success stories. It was a long four year fight but we were finally able to secure a permanent loan modification February 2013 through HAMP. Throughout the course of the modification process, Wells Fargo attempted to foreclose on my home as were in arrears.

The first time we called to inquire about a loan installment loans utah modification, las vegas loans we were told by the Loan Mod Officer that we our application would not be reviewed unless we were at least 3 months behind. We had to file for BK to save the house and continue the modification process (which is inconsistent with HAMP guidelines stating that foreclosures would not occur if we were in the middle of the modification process).

The comments by me and the materials available at this web site are for informational purposes only las vegas loans and not for the purpose of providing legal advice. Most of the information you find here is easily available no telecheck payday loans 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 This is something that should have been done a long time ago and I figured we should stick a thread here for Wells Fargo success stories. They gave me a permanent modification but it includes the entire arrearages. Since the new payment was very affordable, we decided to accept the 12k in arrears as a balloon payment at the end of the loan. It is so hard to remove the emotion and look at your home from a practical and business-like view point, but it is what it takes to make the right decision for you. If you are only putting off the inevitable, should you stay? From what I have been reading over the last 6 months, most people who walked away wished they had done it sooner. It all comes online payday loans ohio down to what you believe works best for you and your family. It was a long four year fight but we were finally able to secure a permanent loan modification February 2013 through HAMP. Throughout the course of the modification process, Wells Fargo attempted to foreclose on my home as were in arrears.

The first time we called to inquire about a loan modification, we were told by the Loan Mod Officer that we our application would not be reviewed unless we were at least 3 months behind. We had to file for BK to save the house and continue the modification process (which is inconsistent with HAMP guidelines stating that foreclosures would not occur if we were in the middle of personal loan apply online the modification process). My problem is, how can I work directly with Wells Fargo. I am under Ocwen as a servicer but they tell me that WF owns my loan and that WF does not allow loan modification. 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.


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Now I have a second mortgage with PNC bank that has been 30,000 for the 30 years of the loan. They said that in 2022 a balloon payment of 24,182 will be needed to be paid in full - I had one attorney say that if they could look at my paperwork and I hired them...

The problem is that you signed the paperwork stating that you read it and understood it. It is hard to go back and say that you signed it without reading or understanding since your signature is testament to the fact that you agreed to the terms in writing. Maybe in a few years you can las vegas loans refinance and roll both loans into one. 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 las vegas loans 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. 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. In the past Mary Coffin and her assistant Sharon Cecil were the contacts for escalating issues like loan mod reviews, etc... Does anyone know if Coffin is still the correct contact, or if there is a different person payday loan lenders online in place of her? 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.