Loans for 1000
I have read that you can offer them a Offer in Compromise (OIC). So a thought was if I could take out a HELOC as a 3rd mortgage. Offer an OIC to them and use the HELOC to pay them off. Home values are rising and I may have just enough equity. You might have to look more towards a cash out refinance or another HELOC that can possibly pay off your existing one. 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 loans for 1000 underwater mortgages. So this is a long story, but to try and make it shorter I will sum it up p by saying that specialized loan servicing has made a complete mess of my home equity loan. Prior to that it was being serviced by Bank of America, where it originated. It was a HELOC when it first opened but I turned the entire thing into a fixed rate in 2015. SLS has complete wrong information regarding my monthly payment amount and my interest-rate.
On their website and on their automated phone message they saying my payment is actually exactly double what it should be for each month. On their website and on their automated phone message they say my payment is actually exactly double what it should be for each month.
I have called them numerous times over the last several months and spoken loans for 1000 to a lot of different people.
Tickets to do research into my account has been opened a few times. When the loan was first transferred the information was correct and then a couple months later it was loans for 1000 all incorrect. I am technically behind 2 payments, but they are claiming I am behind 4. That would make perfect sense considering they think my payment is actually double what it should be. I got laid off due to covid-19 and so inquired about the possibility of pausing my payments. I did this through a secure message on their website. They automatically stuck me into a forbearance plan. The problem is that this new forbearance plan is based on their in accurate assessment of my loan payments and payments. So now on top of just being concerned about being able to make my payments I am concerned that once this forbearance ends they will try to get this large sum of money that is actually incorrect and that they will somehow get away with it. I really wanted their math all corrected before I applied for forbearance.
I thought I was just inquiring about what my options were, but but oh well. And of course the big bummer is that this is not a federally backed loan.
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My house at this juncture is worth more than both my 1st and 2nd mortgages so they would probably love to foreclose. I originally got behind on my payments after my husband had cancer. In the meantime, I just want them to correct my account. Any advice on how to get them to do that in a timely manner is much appreciated. I should add that I have applied for a modification already and was denied. If you turned the entire thing into a fixed rate in 2015 , what exactly happened? If it was a refinance, then the terms of your original loan are no longer valid. I knew that the draw period was set to end in 2017 , so in 2015 I simply called the lender and asked if I could lock in a rate at that time. I was told I could and told what my new payment would be and what my interest rate would be for the remainder of the loan. I plan to include copies of a few of these statements with my letter. But you would think they have all of my documents from the previous servicer. Can one of the moderators please move it to where it should go?
If you turned the entire thing into a fixed rate in 2015 , what exactly happened? If it was a refinance, then the terms of your original loan are no longer valid. Thankfully yesterday I got someone on the phone at Bank of America who is the old servicer and originator of the loan to dig up the paperwork for when it was made into a fixed rate loan. Thankfully yesterday I got someone on the phone at Bank of America who is the old servicer and originator of the loan to dig up the paperwork for when it was made into a fixed rate loan. For purposes of this subsection, a qualified written request shall be a written correspondence, other than notice on a payment coupon or other payment medium supplied by the servicer, that— (ii)includes a statement of the reasons for the belief of the borrower, to the extent applicable, that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower. Thankfully yesterday I got someone on the phone at Bank of America who is the old servicer and originator of the loan to dig up the paperwork for when it was made into a fixed rate loan. This is kind of complicated so I want to get it right. I wrote a letter, an error resolution request, and sited how they are charging fast cash personal loans me the wrong monthly payment and wrong interest rate.
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The letter shows the correct interest rate and monthly payment. I tell them that because they have been charging me incorrectly. They have miscalculated the total amount due(past due).
Should I put down what I think I owe or leave that out for now? Part of me feels like I should just have them correct my interest rate and monthly payment amount and see if they automatically correct the past due. Part of me thinks I should tell them what I think I owe.
I sent the notice of error resolution request and SLS sent me a letter saying my account is under maintenance. Are you locked out of online account access or using this payment system? Amazingly, the errors on my account appear to have been corrected! I guess the complaint to the cfpb helped move things along. Since it has been corrected I loans for 1000 have considered removing my cfpb complaint, but also wonder if quick loan calculator that would be a mistake. They actually did create a new account I guess to make it easier to correct everything? Since 2007, loans for 1000 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. So I loans for 1000 have a Chase mortgage with a 135k balance and a Chase Heloc with a 140k balance. If so would I have to refinance to a Home equity loan with fixed payments? Is the new Dodd Frank law going to affect my ability to do so if refinance is an option? I am trying to figure out what my balloon payment would be. That would require you to bring the loans down to 266K which would be at least 9,000. That would not however cure the problem with the 2nd and would leave a balance remaining of 50,000. As far as the balloon payment, it would depend on the terms of your current loan. Then it would amortize once the period elapses (if there is a time period) of the interest only period for the remainder of the term or over 30 years. I would look into doing something now before interest rates increase if you have funds available to put towards the mortgage and make the refinance possible.
I would be more than happy to help you look at different options. 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. You might be able to do a title search at your local county recorder online or call a title company to ask them if they can do a search for you.
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Another advantage is tax savings on both properties.