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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 apply personal loan of the firm or any individual attorney.

Please Read our Privacy Policy and Legal Disclaimer 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 long term payday loans online the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer You are just a God send Angel to all of us. My friend is trying to modify his loan with Wells Fargo. Now, just today, she called me telling me this same story, that Wells Fargo is asking for a subordination of her second. Now, the situation with my friend is, she wants to settle the second which is now with National Star Mortgage. Wells Fargo sent out an authorization for them to contact the second and to request the subordination. I am incline to gain more time with the first until she is able to settle with the second. ONce the second accept the settlement, she can send out the release of the lien to the first and then continue with the modification. Your advise is always so nice for all this community. Wells Fargo sent out an authorization for them to contact the second and to request the subordination. I am incline to gain more time with the first until she is able to settle with the second. ONce current lending rates the second accept the settlement, she can send out the release of the lien to the first and then continue with the modification. Unfortunately, the subordination agreement will more than payday loans ohio likely be required to finalize the modification on her first mortgage.


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However, having the 2nd sign a subordination agreement should have no affect on her ability to settle the account at a later time. IMO it would be best to continue with the mod and later work on settling the 2nd mortgage with Nationstar, she should have plenty of time if she is still underwater. You may want to provide her with a link to the strategy for settling 2nds thread here: 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 So Evan, is the first the one who is going to ask for the subordination agreement? At that time I called about refinancing but was redirected to modification instead. What a bunch of stupid paperwork it has been, anything and everything, ONE item at a time. What do you know about these subordinations on a modification? Is it legitimate or long term payday loans online am I being run around to buy them more time? So Evan, is the first the one who is going to ask for the subordination agreement? The first mortgage is going to request the subordination agreement (ONLY WF requests this) and this would fast little loans online not be required if the second was settled prior to completing the modification. I started this thread in April because a subordination agreement should NOT be required to complete a modification, yet WF continues to request this and wrongfully deny homeowners assistance.

The comments cash cash advance payday loan advance interest calculator 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 consumer loan services After three years, I finally got my modification!!!! I had an issue with a subordination during my HAMP trial last year.

My 2nd lien holder did not payday loan direct lenders only understand the need for a subordination in the first place. I hope that helps someone out there going through the same problems as me. Wells Fargo needs to extend this policy to ALL junior liens, regardless of the balance! 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 long term payday loans online 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 to ask.... During that 3 year period, were your payments applied to your mortgage? Nor were those payments reported to credit reporting payday loans as seen on tv bureaus, rather I am being reported as 6 months late -on going, so next month will reflect 7 mos late, etc. I have never dealt with such incompetence and disregard for a customer base from a business before in my life, short of Time Warner cable, but that story is for another forum. I have a second with a balance of 19k and they said no to subordination, literally out of spite.

Wells Fargo was AMAZING to work with and this small town bank basically flipped me the bird when I asked them. The Wells balance is 295k, and currently in 1st position. The HELOC is in 2nd position with a balance of 19k. We were offered a loan mod from Wells, and then the HELOC bank basically said not gonna happen, we would rather get NOTHING than stay in 2nd position.

I LOVE my Wells loan specialist, I mean, we have agreed that if he ever comes to Montana, we are getting drinks! He has told me that when I send a fax, it takes 48 hours for it to be processed and show up on his computer screen. I told my specialist I wanted to send him a card and we get along well, so he hooked me up with his desk address.


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It is REALLY different from the one you send docs to. So, I can see how mail can take forever and a day to get to them that route. 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. 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.

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 Full extinguishment of second loan!!!!!!! Wells Fargo has finally released the lien on my second mortgage. I had been trying to settle with them for long term payday loans online around 19 months.

Most of the information you find here is easily personal loan with bad credit 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 Long time lurker and first time poster here. After almost three years of struggling through HAMP hell and going back and forth with Wells Fargo, we finally received our permanent loan modification paperwork on December 10, 2012.