Loan in minutes

We made our payments, some were credited, many were not. We were told repeatedly that someone made a mistake, and our missing payments must have been due to not having money as opposed to just not being applied.

Until the trial payments, we were over 2 years behind on our payments thanks to BofA. After 1500 loan no credit check years of lies, hung up phone calls (Them) fraudulent efforts to deny helping, attempts to foreclose, and every other dirty trick they could think of, credit counselling, EHLP, etc, etc, etc. The loan in minutes AG settlement had our hopes up that we might finally get some help, when BofA transferred our loan to Green Tree. Our research into Green Tree and their reputation was discouraging to say the least.

Two new applications for HAMP (First denied) later, and earlier this year, finally accepted. When our HAMP mod was finally accepted, and approved (A mere 7 days from receipt of all documents) we were sent papers outlining the terms including our trial payments. I made the payments before the 1st just to play it safe. Below is a summary (In quotes for exact wording of part 2C and part 3. B Prior to modification, if the lender determines our representations are no longer true and correct, our loan documents will not be modified and the agreement will terminate. C I understand the loan documents will not be modified unless and until (i)I receive from the lender of a copy of this Agreement signed by the lender, and (ii) the Modification Effective Date (As defined in Section 3) has occurred. I further agree that the Lender will not be obligated or bound to make any modification of the Loan Documents if I fail to meet any one of the requirements under this agreement. I understand that if I have failed to make any payments as a precondition to this modification under a workout plan or trial period plan, this modification will not take effect. B The modified principal balance includes all amounts and arrearages that will be past due as of the modification effective date. Blah, blah, If I pay in full after 30 days the forgiven portion will be forgiven. F I agree to pay in full the deferred principal balance, minus any reduction I am entitled to and any other amounts owed by the earliest of (i) the date I sell, (ii)The date I pay it off, (iii) the maturity date. Sections D through O is boilerplate agreement about lenders, MERS, collecting information, HELOC info, etc, etc, etc. They have sent another of these modification documents with all the same dates, but with the amounts changed. WHen I talked to the person at Green Tree handling this, she stated that BofA had determined that our account was not eligible for principal reduction.

THis went through underwriting before offering the trial Mod, and again when the trial payments finished. That means according to the documents we could already be in default due to the payments not being paid at the full amount. As far as I can tell, the original modification, signed by them, should have taken effect last month.

And finally, That BofA is still shafting us, after all these years, and even after passing us along to this collection company hoping to finally beat us. We have to have the new documents notarized and on their way back by the beginning of next week to meet their deadline. You win the prize for having posted the longest missive ever seen on these boards. Much too long for me to read maybe another member will take the time and effort to do so.

Now here it is August, they have not done the maintenance to our account to loan in minutes make it in good standing. They have sent another of these modification documents with all the same dates, but with the amounts changed. WHen I talked to the person at Green Tree handling this, she stated that BofA had determined that our account was not eligible for principal reduction. THis went through underwriting before offering the loan in minutes trial Mod, and again when the trial payments finished. That means according to the documents we could already be in default due to the payments not being paid at the full amount. As far as I can tell, the original modification, signed by them, should have taken effect last month. And finally, That BofA is still shafting us, after all these years, and even after passing us along to this collection company hoping to finally beat us. We have to have the new documents notarized and on their way back by the beginning of next week to meet their deadline. You now must only deal with Green Tree to complete this process.

This is how they cover their bases and can show that they offered assistance to bring payday loans not brokers the account current, despite the fact that you were already approved and have technically entered a permanent modification.. But the fact that you do have a permanent agreement that is already signed by GT is great, and you may want to contact a local foreclosure defense attorney to help you seek legal actions for their wrongdoings.. Having a lawyer contact them may be a better solution in this case.. 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.


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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 Well, this forum topic asked to tell my CW story. Just thought it help anyone wanting to offer advice or opinion. I was just trying to make sure there was enough information available. Evan, When I saw the new mod agreement I was not happy, but of the mindset that what ever it takes to get this back on track we need to do. Just make up the difference and they will know that the mod was redone after the fact it made me really nervous. She might have good intentions, but her company might not, and BofA definitely not.

And with BofA apparently still calling the shots, how can I trust them?

The final straw was the thought of BofA having a say to trip us up this late in the game.

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.

Never blogged or followed a blog but found the best information and most honest advice was found here. We have initiated a DIL but in anticipation of denial due to income we are preparing the necessary documents to apply for the HAMP program or a MOD. Refi not possible despite great credit (not enough equity) and I loan in minutes am not impressed with what I have read about a modification. I would love to know if Counrtywide messed anything up with our loan and if so.... I read there is a formula for the deficiency judgement using the deficiency amount minus your current debts. If your intentions are to walk away from the payday loans in corpus christi property it is not the wisest choice to pursue options such as a DIL or loan modification because you must provide all of your financial information to qualify. The HAMP program you are referring to stands for the Home Affordable Modification Program and it is a loan modification. Also a refinance is possible for some even if your mortgage is underwater through the but in order to qualify your mortgage must be owned by Fannie Mae or Freddie Mac. Here you can use the two links below to find out more information about both the HAMP and HARP programs. Keep in mind that a refinance and loan modifications are two completely separate 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.


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You should contact your attorney to obtain advice with respect to any particular issue or cheap loans with bad credit 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. Trying DIL first as it has the least (-) impact on credit. Short Sale not possible because we have no buyers and house is listed low. May want to prolong process and resort to foreclosure or bankrupcy if we have to.

Here you may want to check out the first posts in the following Hampster wheel thread as it will good advice on various ways to help prolong the foreclosure process. Also the 2nd link will show you the differences between a short sale, DIL, and foreclosure and the outcomes of these events.

If you are delinquent on payments prior to completing a short sale or DIL the affects to your credit rating will be virtually the same as if the property was foreclosed on.

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 have read the posts but plan to read them again. Am I making a mistake my attempting the DIL or should I just start the MOD process even if I do not plan to do one to extend the time in the house? Did not know I loan in minutes may not find out their appraised value for up to 90 days.

Am I making a mistake my attempting the DIL or should I just start the MOD process even if I do not plan loan provider to do one to extend the time in the house?

Did not know I may not find out their appraised value for up to 90 days. Personally I would not rush to apply for a loan modification since you just stopped making payments last week it can be quite some time before foreclosure proceedings begin. If you apply for a loan mod and they end up making a decision (whether it be an approval or denial) it will not really help prolong foreclosure proceedings as the account will no longer be in review.