Loans with no credit history

By law, RTR is not allowed to call us without permission. Is it best to just write them a letter giving them permission to contact us with no specifics? 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.

We received a few letters from Ocwen but never received anything else and never contacted by collection agency. We received some sort of settlement from a class action against Ocwen, it was a couple thousand but I do not have the paperwork on this, it may have even been a part of the Debt forgiveness. Good time to refinance but our lender needs something showing this lien is forgiven or released. Unfortunately what your current lender is telling you is accurate. When we do a new loan we personal loans based on income only have title research any liens cash loans online fast associated with the property and that may have been when that came up. The only way to get around it would be to obtain a lien release or satisfaction of lien. If you are to settle the 2nd mortgage it would be treated as a short sale and short sale seasoning periods would apply. All in all there are no options at this time, I would not waste any more money on an appraisal until you have a loan commitment from a lender.

Meaning you have the loan approved and this has been addressed. That lien will however remain on your property (from my knowledge) until something is done to satisfy it.

These mortgage companies should have told you this rather than you wasting money on appraisals.

They were either not truthful with you and or did not know what they were doing. Your only best bet here is to settle with the 2nd mortgage. You should not even think about refinancing until you get that 2nd settled and the lien released. If any lender and or loan officer tells you any different, they are lying or they simply do not know what they are talking about.


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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 Unfortunately what your current lender is telling you is accurate.

When we do a new loan we have title research any liens associated with the property and that may have been when that came up. The only way to get around it would be to personal loans in charleston sc obtain a lien release or satisfaction of lien. If you are to settle the 2nd mortgage it would be treated as a short sale and short sale seasoning periods would apply. All in all there are no options at this time, I would not waste any more money on an appraisal until you have a loan commitment from a loans with no credit history lender. Meaning you have the loan approved and this has been addressed. That lien will however remain on your property (from my knowledge) until something is done to satisfy it. We were young and not very smart when we bought this home in our early 20s. We did receive a notice saying that the debt was forgiven due to a bail out but nothing was ever filed.

These mortgage companies should have told you this rather than you wasting money on appraisals. They were either not truthful with you and or did not know what they were doing. Your only best bet here is to settle with the 2nd mortgage. You should not even think about refinancing until you get that 2nd settled and the lien released. If any lender and or loan officer tells you any different, they are lying or they simply do not know what they are talking about. We explained this situation after locking in loans in greenville nc our rate, loans with no credit history as it pulled up on our credit report.


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We are okay with taking another loss on appraisal but do you know if Ocwen could come after us now that there is more equity in the home? We explained this situation after locking in our rate, as it pulled up on our credit personal loans los angeles report. We are okay with taking another loss on appraisal but best online personal loans do you know if Ocwen could come after us now that there is more equity in the home?

It is all about profit or recouping costs and math with businesses and mortgages. If they can make some money or break even, they may foreclose.

By the way, what Erik means they would consider a settlement just as if you had done a short sale. To qualify after a settlement on your mortgage, you would probably need anywhere from anywhere of 1 day or one or more years to buy a home, and 2 or more years to refinance. You may be able to get a hard money lender if you wanted cash out, but it would be a higher rate and not worth the costs in the long run. 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 bad credit personal loans nc advice with respect to any particular issue or problem. The opinions expressed at loans with no credit history 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 Yes, that is a definite possibility to consider. It is all about profit or recouping costs and math with businesses and mortgages. If they can make some money or break even, they may foreclose.

By the way, what Erik means they would consider a settlement just as if you had done a short sale. To qualify after a settlement on your mortgage, you would probably need anywhere from anywhere of 1 day or one or more years to buy a home, and 2 or more years to refinance. You may be able to get a hard money lender if you wanted cash out, but it would be a higher rate and not worth the costs in the long run.

The loans with no credit history reason I ask is that the portfolio options that would be available once you do physically settle the 2nd lien may be higher than what you have now. In loans with no credit history regards to the 2nd mortgage and them coming after you, I believe that may depend on whether or not you filed bankruptcy and are in bankruptcy protection. If you have just simply not paid the 2nd in years, I would say absolutely they may end up wanting their money back and come after you. I am not a foreclosure expert, more a new home loan expert. The reason I ask is that the portfolio options that would be available once you do physically settle the 2nd lien may be higher than what you have now. In regards to the 2nd mortgage and them coming after you, I believe that may depend on whether or not you filed bankruptcy and are in bankruptcy protection. If you have just simply not paid the 2nd in years, I would say absolutely they may end up wanting their money back and come after you. I am not a foreclosure expert, more a new home loan expert.

It is reviewed every 6 months and this is the first time it has went up in a very long time.

This was the only debt that went underwater after unsuccessful modification, HARP or HAMP and refinance denial.

The personal loan instant loans with no credit history approval 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 payday loan no teletrack 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 I copied and pasted in the original post from equifax and trans union.