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Depending on the state you are located the foreclosure process can take quite some time to complete so you may have plenty of time to finish the modification. 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 online payday loans no fax 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 no credit check payday loans direct lenders only and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Yes, they have their own in-house loan modifications they will review your account no credit check payday loans direct lenders only for if you are turned down for HAMP. If you continue to read around you will find many people who are not eligible for HAMP may be offered a regular in-house modification. 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 We were six months behind on our mortgage and applied for a HAMP and was denied, and was then denied for an inhouse moification due to the fact that out income had dropped and we did not make enough money. No one will help me, they told me to take my chances and wait to talk to Ocwen or just pay the loan. I dont know what I should do, I am very worried as we received a letter of intent (from Homeward) and need to either make the full amount by March 5th or face foreclosure proceedings. No one will help me, free online loans they told me to take my chances and wait to talk to Ocwen or just pay the loan. I dont know what I should do, I am very worried as we received a letter of intent (from Homeward) and need to either make the full amount by March 5th or face foreclosure proceedings. You are not going to accomplish a loan modification or get further ahead if you keep on paying some of the past due amount once you are 4 months or more behind.

If you cannot afford your payments as is, it does not make any sense to keep borrowing money and falling into an even deeper hole.

A repayment plan will only increase your monthly payments until you catch up on the arrears and does not sound like it will benefit you in anyway. Do not let these notices pressure you into borrowing money if you can not afford your normal mortgage payment as is. A notice of acceleration is sent to EVERYONE who has fallen behind on payments and it can easily be many more months before further actions proceed. Also what is your current loan balance and gross monthly income?

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 You are not going to accomplish a loan modification or get further ahead if you keep on paying some of the past due amount once you are 4 months or more behind. If you cannot afford your payments as is, it does not make any sense to keep borrowing money and falling into an even deeper hole. A repayment plan will only increase your monthly payments until you catch up on the arrears and does not sound like it will benefit you in anyway. Do not let these notices pressure you into borrowing money if you can not afford your normal mortgage payment as is.

A notice of acceleration is sent to EVERYONE who has fallen behind on payments and it can easily be many more months before further actions proceed. Also what is your current loan balance and gross monthly income?

The concern I have is that I do not want to fall even farther behind and be denied over and over again and not be able to pay at all. They told me before that once the letter of intent date passes, then they can start the proceedings at any time and I will be charged their fees immediately. We were denied in October for the modifcation because we were not three months past due. Then we were denied the HAMP and a second in house modification earlier this month because we do not make enough money even if the loan was lowered.


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Homeward basically has told me there is nothing they can do so I am very concerned! The concern I have is that I do not want to fall even farther behind and be denied over and over again and not be able to pay at all. They told me before that once the letter of intent date passes, then they can start the proceedings at any time and I will be charged their fees immediately. We were denied in October for the modifcation because we were not three months past due.

Then we were denied the HAMP and a second in house modification earlier this month because we do not make enough money even if the loan was lowered. Homeward basically has told me there is nothing they can do so I am very concerned! Lenders generally will not lower your fast cash no credit check monthly payments cash advance payday loans online further than 28-31 percent of your gross income.

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. Lenders generally will not lower your monthly payments further than 28-31 cash advance san diego percent of your gross income. Also, I have my own business and it shows I had a loss the last quarter. I am just very afraid that once March 1st comes I will be due for five months and while I have some money to pay towards the loan, Ocwen will not accept it. Except starting March 1st the amount will go up considering I will now owe for that month also. I am just very afraid that once March 1st comes I will be due for five months and while I have some money to pay towards the loan, Ocwen will not accept it. Except starting March 1st the amount will go up considering I will now owe for that month also. Sometimes they will hold these funds in a suspense account until they receive the past due balance in full. When a mortgage is transferred to a new servicer this can take up paycheck loans to 30 days or more. 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 no credit check payday loans direct lenders only or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer 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. We were previously with Homeward Financial and as of January we were five months behind. I was told that I needed to pay at least two and a half payments which was 4650. I paid that in January, two payments were applied and 930 was placed in a suspense account and I was told that it would be applied to my next payment. In Feburary I was told I had to make at least two payments which was 3720. I was told that since I had the 950 in the suspense account that I needed to pay 3250 and they would apply 470 to that from my account to make the two payments. I received a letter stating they were switching to Ocwen as of 03-01-2013 and the last day to make a payment and have it applied no credit check payday loans direct lenders only was 02-28-13.

On 02-27-13 I contacted Homeward again and was assured that my payment for the next day was fine, that the 470 would be applied and I was all set. I go into my Ocwen account today and it shows they received 3250 from me on 03-01-13. It did not show the whole 3720 that was suppoised to be applied. I called Ocwen and they told me that they never received any extra from Homeward and I was not 90 days past due and they could payday usa only take the full amount owed which is 7436.

They told me to contact Homeward to find out why they never applied the money. I contacted Homeward and spoke to a manager and he told me they never had a payment from me on 02-28-13 (which I have the Western Union receipt confirming it was made from my bank account to them) and it must have went straight to Ocwen.