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If you have further complaints or specific reason to believe BofA is not complying with the HAMP guidelines, please email. It is the MHA Compliance department within Freddie Mac who was appointed by the Treasury to oversee compliance with the govt. On a sidenote, my account yesterday is now showing a modification. Hey ama125, I think you read my story about a unknown phone call and a Fedex from office of President. They asked for everything again though I made all my 3 trial payments!

For monthly expense, do I write down my original mortgage payment or the modified payment on trial plan? I have to make sure I get a sufficient and acceptable surplus. Hey ama125, I think you read my story about a unknown phone call and a Fedex from no teletrack payday loans direct lenders 100 approval office of President. They asked for everything again though I made all my 3 trial payments! For monthly expense, do I write down my original mortgage payment or the modified payment on trial plan?

I have to make sure I get a sufficient and acceptable surplus. To my understanding, no documents (appraisal value, pay stubs, etc) may be more than 90 days old. Since you were on a 3 month trial, all the original paperwork may now be outdated, hence the reason for them requesting it all over again (even if nothing has changed in your income, etc). Based on what you are saying, it would seem they may be working on a permanent mod (though one can never be too sure). I would submit the original payday loan bc payment amount for the mortgage in your monthly expenses along with any original figures unless those have changed. 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. Stress being the common thread here, really hard to type or think right now. Working on yet another loan modification and what looks like the last considering my sale date is today. I am so sorry for what loan centers you are going through, I do wish you had found us sooner. At this point you will have to see if they are able to postpone the sale date so that you are able to work further on the modification.


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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 firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Just got off the phone with a company and I called Recon, the foreclosure trustee directly to confirm, and they were able to get the sale date pushed back to Dec 4th, giving me extra time to hopefully get the loan modification to go through! Just got off the phone with a company and I called Recon, the foreclosure trustee directly to confirm, and they were able to get the sale date pushed back to Dec 4th, giving me extra time to hopefully get the loan modification to go through! The comments by me and the materials available at this web site are for informational purposes only and not for payday lones 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 and I will keep you all updated with the progress. Gives me time to breathe and think about the next step atleast. We have been trying to get a modification for the past year and are about to fall behind in payments. Can you help me understand what ratios they are looking for to meet their internal mod criteria?

Our loan amount is too high for HAMP and we are not owned by Fannie or Freddie.

We are devastated and just trying to save our home. Many inhouse modifications will mirror the HAMP guidelines without being able to offer the incentives of the HAMP modification so the payments in these cases will come close to within 31-38 percent. We have been trying to get a modification for the past year and are about to fall behind in payments. Can you help me understand what ratios they are looking for to meet their internal mod criteria?


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Our loan amount is too high for HAMP and we are not owned by Fannie or Freddie. We are devastated and just trying to save our home.

Unfortunately the lenders do not publish the criteria for an inhouse modification as each of the investors will allow different thresholds of modifying of the loans that they own. The comments by me and the materials available at loan centers 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 loan centers 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 Unfortunately the lenders do not publish the criteria for an inhouse modification as each of the investors will allow different thresholds of modifying of the loans that they own. Thank you, I am very happy to be here an hoping for some success.

Our servicer is Bank of America and Wells Fargo owns the loan.

Any help on what they are looking for on internal ratios would be great. Thank you, I am very happy to be here an hoping for some success. Our servicer is Bank of America and Wells Fargo owns the loan. Any help on what they are looking for loan centers on internal ratios would be great. 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 louisiana individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy loan centers Policy and Legal Disclaimer It is hard to say. My husband is a commissioned employee so it is hard to calculate. If we take his yearly income to date and divide by 10.

Any help payday loans no credit check same day with the ratios you can offer would be appreciated.

We just got a call returned to discuss it and are nervous to call back since we need this to work to save our home. My husband is a commissioned employee so it is hard to calculate. If we take his yearly income to date and divide by 10. Any help with the ratios you can offer would be appreciated.

We just got a call returned to discuss it and are nervous to call back since we need this to work to save our home.

I was just denied for my DOJ mod, because my housing expenses and income 100 day loans show I can afford my payment. I am appealing the decision and they will call me to loan centers discuss in 7 days. Does anyone know if BOFA uses 25 or 31 of your gross? Also, my condo is only worth 70,000 and I owe 176,000, I thought for sure they would offer a reduction in principal. Hopefully, this appeal is successful to loan centers mrsOrlando - we also just today received the letter that we were denied quick easy loans the DOJ settlement modification. It stated in the letter Your loan is not eligible for a modification because we cannot create an affordable payment without changing the terms of your loan beyond the limits of the program.

I have no idea what this means, it looks like you were given the exact reason for your denial.

Did you have to call to get this or was it in the denial letter? BTW, our loan is owned by BOA but serviced by Specialized Loan Servicing. 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 get loans fast 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.