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It would be treated just like regular refi and all typical documentation would be required: income, assets... In regards to assuming the loan, you can reach out to Nationstar payday loans in delaware (or Mr. Cooper as they call it now) and ask to speak with the assumptions department. They will tell you the documentation they would typically need for an assumption.

It sounded payday installment loan like you had already gone through that process and they mixed everything up between you and your ex husband which is quite strange.

It would be treated just like regular refi and all typical documentation would be required: income, assets... Erik: I never tried 365 day loan to take my ex-husband off the Nationstar mortgage because I was afraid it would need to borrow money somehow mess up the modification. Do you think I have chance of assuming the loan with the charged off second on my credit report? I still am afraid of somehow messing up my mortgage by waking up Nationstar to all of this.

You would think they would want to revert to 1st position because if something was to happen to the property they would get paid off first. If they were to not agree to a subordination that could cause an impact to a 1st lien refinance. You would think they would want to revert to 1st position because if something was to happen to the property they would get paid off first.

If they were to not agree to a subordination that could cause an impact to a 1st lien refinance. I am still confirming that aspect of it as well for you. If there is no lien, there is nothing to subordinate as I expected. If there is no lien, there is nothing to subordinate as I expected. Am I correct in that my first step towards a refinance is to assume the loan with Nationstar? You can work with the assumptions department or go through a traditional refinance. Whatever direction that you would like to take I would be more than happy to help. You can work with the assumptions department or go through a traditional refinance. Whatever direction that you would like to take I would be more than happy to help. And, In fact, if I was going to borrow money - I would be entirely concerned that someone unscrupulous like you, would sale me a toxic horrible loan.


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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. I am in an need to borrow money ARM and have not been able to fix the rate.

I have paid off loans totaling over 170k over the last 13 years to them as well.

Do you know by chance the investor for the home loan? I just think a personal loan is entirely the wrong way to go about this. First - I think the Interest Rate is going to be much higher than your current interest rate on your loan.

Second - The interest deduction for the mortgage interest would go away. In this hard time for our country, with this corona I had a really bad time.

I lost my job, my girlfriend moved back to her parents and I had really big issues paying my rent. Bank refused to need to borrow money help me because of my credit history. I just needed to pay my rent and wait until this corona would end. My girlfriend returned and I already have few interviews.

If you have the same issues Get free mortgage help today.

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. July 2009 and was discharged in Chapter 7 BK in Dec. There has been no collection efforts and loan will mature in June 2021.

We payday loans vancouver wa have rebuilt our credit and it is in very good standing. The current payday loans best liens showing on the property are the two loans mentioned above Since the 2nd was discharged in a Ch7 need to borrow money BK, is there a possibility in trying to get the lien removed without a payoff and what grounds can we possibly present to the 2nd lienholder? July 2009 and was discharged in Chapter 7 BK in Dec.

There has been no collection efforts and loan will mature in June 2021. We have rebuilt our credit and it is in very good standing. The current liens showing on the property are the two loans mentioned above Since need a quick loan today the 2nd was discharged in a Ch7 BK, is there a possibility in trying to get the lien removed without a payoff and what grounds can lending tree bad credit we possibly present to the 2nd lienholder?


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Getting the lien removed without a payoff is need to borrow money unlikely. Check your state for property lien laws for time limits to enforce. There may be a statue of limitations for the lien holder to enforce a lien.

Since you want to sell or refinance, make sure you do not let the lien holder know about that.

It will give them an advantage in any negotiations for a payoff and release. You may have to initiate contact with them because BK law limits any contact with debtor after bankruptcy. Getting the lien removed without a payoff is unlikely.

Check your state for property lien laws for time limits to enforce. There may be a statue of limitations for the lien holder to enforce a lien. Since you want to sell or refinance, make sure you do not let the lien holder know about that.

It will give them an advantage in any negotiations for a payoff and release. You may have to initiate contact with them because BK law limits any contact with debtor after bankruptcy. Unfortunately, statute of limitations in CA for the lien is 10 years after maturity date and that is not in the near future since the loan matures next year. I did initiate an attempt to Shellpoint in writing to have lien removed with no mention of what my intentions are but have not heard from them.

I am also here in southern California and would love to help, San Diego to be exact. This is a very passionate subject of mine no credit check loans direct lenders only and have helped countless borrowers save their homes from these 2nd lien holders. 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. Is it possible to refinance to say a 15 yr mortgage and direct lender loan get rid of the Balloon? I am starting to think of the future and how to manage this.

My credit has vastly improved since I took this out. You would be far better off -- taking the money you would spend on this refinance and higher payment, and stashing that into a high-interest savings account. This way you could accrue the money you need to pay the Balloon without paying interest on it, and even get a little bit of help from the bank.


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The other possibility is to simply pay down the Mortgage, with additional principal. You would be far better off -- taking the money you would spend on this refinance and higher payment, and stashing that into a high-interest savings account. This way you could accrue the money you need to pay the Balloon without paying interest on it, and even get a little bit of help from the bank. The other possibility is to simply pay down the Mortgage, with additional principal. I was hoping there was a better option because the balloon makes me nervous, but I know what you are saying makes perfect sense. I would probably consider the term of the interest calculation. Some of these older predatory loans are built on 40 (or even 50) year amortization schedules.

While in some states, these predatory terms were to be removed, many lenders did need to borrow money not cooperate and hid real terms on the modification. I personally would be tempted to refinance to remove the initial terms and liens by a predatory lender because you are potentially subject to future predatory servicing in these particular securitized schemes. From what your are saying, it appears your loan payments are interest only given the balloon appears to be full amount. This is a LOT of lost funds with no prospect of actual ownership at the end of the term of payments. Just follow the loan closely to make sure it is properly credited and you are, in fact, paying down the principal. Especially forced placed insurance which can suddenly increase your payment anywhere from 50 to 500 per month while you dispute and try to repair the false charge. 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. Yes, since your mortgage was charged off longer than 4 years ago you should be able to qualify for a new loan.