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AND SAME EXPIRATION DATE which had already passed a few days prior.

Called and left an mesage for my single point of Contact. She tried to explain the Balloon payment, and said she would investigate the packet and make sure that a new one was sent with revisions. I also mentioned that the terms and interest rate were missing from the paperwork? Asked again why I was promised a fixed modification and given a totally different product? She said the investors that manage my loan were not giving fixed Mods. I asked who these investors were (expecting Wells Fargo, which was given in August 2013) loans same day She said it was HSBC and gave me their contact info. Being in bad credit personal loans for 5000 the Real Estate biz I find it hard to believe that my Loan that originated with countrywide and was taken over by BofA, went briefly to Wells Fargo and is now HSBC.

The only paperwork I ever received was when it went from CW to BofA... My Loan meets all of the guidelines for the Judgment on behalf of Countywide Borrowers. I have maintained a career in a declining Real Estate Market requiring ridiculous hours and few sales. 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. First of all let me say that this is the ONLY forum with accurate information. We live in Missouri and as of Feb 1 we will a full 60 days late with BOA. With the cost of living increasing and no increases in pay and my employer now taking money from my check for health insurance we are struggling to make our payment. We have faxed all of the required docs to BOA and are now waiting to get an answer. I think the only way we can afford the house would be with a principal reduction. They have had our completed paperwork for about a week. We filed Chapter 7 before the first mod in 2010---does that affect anything? BOA has to advertise the FC for four weeks in the newspaper and then they can sell the house.

The worst thing is not knowing the time frame for having to move. At the end of the 4 week service by publication, service of the notice of trustee sale (NOTS) is deemed complete. The borrower will than have at least 21 days (in my state) before a trustee sale can be held. Since best way to get money fast 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.


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Thought at the time that it was a pretty safe investment. It is listed as my 2nd home but was acturally purchased as a primary home for my son. Subsequently, Bank of America acquirred the loans when all that went down, and then, two years later sold the first to Green Tree Financial, but held on to the Heloc. There have been no offers and no lookers in more than two years... We have now stopped paying all mortgages and HOA dues and will go into default Aug. Other options such as refianace, Short-sale, DIL etc. I think, after reading many posts, that it is highly unlikely that the bank will want this condo back at all, or at least for a very long time. Additionally, considering all the HOA problems, sale is also 1. Since both mortgages were taken out at the same time for the sole purpose of purchase, do they both come under Washington State non-recourse laws?

The HOA, at no credit check unsecured loans a recent meeting, has decided not to foreclose on any of the units in arrears. No one could have predicted that the economy was going to crash almost immediately after he moved in.. Since both mortgages were taken out at the same time for the sole purpose of purchase, do they both come under Washington State non-recourse laws? Yes, since the loan are purchase money they will fall under the non-recourse statutes. In Washington, almost every residential foreclosure is being foreclosed on using the non-judicial foreclosure process and going this route your loans will be considered non-recourse which the lender will not be able to pursue a deficiency judgement against you. Here is a great thread with this same discussion and members here who have went over the scenario with multiple WA attorneys. The judicial process of foreclosure, which involves filing a lawsuit to obtain a court order to foreclose, is used when no power of sale is present in the mortgage or deed of trust.

Generally, after the court declares a foreclosure, the property will be auctioned off to the highest bidder. A power of sale clause is the clause in a deed of trust or mortgage, in which the borrower pre-authorizes the sale of property to pay off the balance on a loan in the event of the their default. In deeds of trust or mortgages where a power of sale exists, the power given to the lender to sell the property may be executed by the lender or their representative, typically referred to as the trustee. Regulations for this type of foreclosure process are outlined below in the Power of Sale Foreclosure Guidelines.

If the non-judicial foreclosure process is used by the lender, then it cannot sue for a deficiency judgment. On judicial foreclosure sales, the borrower can be sued for a deficiency, unless the property is found to be abandoned for six (6) months before the decree of foreclosure.

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 cash loans online 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 no credit check unsecured loans and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer The upper condo complex my son lives in is so run down and in need of repair that a number of owners like us, are also not paying their HOA dues and are letting their units go into foreclosure. The siding used when this apartment building was converted into condos in 1999 was recalled, but the HOA decided against replacement (while the replacement siding was free, the labor was not.

On top of this the HOA, while highly maintaining the lower condo units where most owners live, failed to maintain the upper condo grounds, stairs, railings, etc.

I tried for two years with not one looker or offer. Our walk is due to begin August 1st and I have already been getting two calls a day from Green Tree. I do not anwser or no credit check unsecured loans reply to their calls and have blocked their number on my cell phone.

Thanks again to everyone on this forum who has given me insight into this sorry state of affairs. All I can do is try to make the best of it, lick my wounds, and move on. Since 2007, the no credit check unsecured loans 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. Our old payment had the property taxes escrowed but, NOT the homeowners insurance and windstorm insurance-we paid those directly to the insurance company. This is how it used to be--with an interest rate of 7. I am assuming that BOA has included the HO insurance and windstorm insurance--but colorado payday loans the docs do not indicate that.


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So, do we continue to pay our monthly homeowners insurance and windstorm insurance or not? Stated nothing about what the modification will be, just pay this for the next 3-4 payments and we will consider IF we will give you a permanent mod at that time.

I saw in the 4 page statement that if they perm mod the loan same day loans direct lenders then the rate may be 2. Midsouth, I wish you all the best and will be on the forum contributing, I must have some insight to help others from my almost 2 yr ordeal with Chase... Midsouth, I wish you all the best and will be on the forum contributing, I must have some insight to help others from my almost 2 yr ordeal with Chase... Well, my account manager is gone by 2pm TEXAS time so could not talk to her. I know that my income fluctuates (self employment for me and overtime for spouse), this WAS las vegas loans NOT taken into account with the payment BOA proposes. So, in essence, I know that the first payment is due in May. According to their congratulation letter they want me to make the first payment TODAY!

Well, I know that HAMP says that if your payment starts in a certain month (like May in our case), I have until the last day in May to make that payment and still be in compliance with the HAMP program.

In the mean time, I am going to work with the restreport. In my letter to BOA I will advise them that my financials have changed (I had offered to send in update profit and loss statements, but when I called HOPE to ask if I should, they said- do not send in any more docs unless BOA asks ). However, I believe that the numbers used did not (nor could not) take into account the ups and downs of self employment.

However, I believe that the numbers used did not (nor could not) take into account the ups and downs of self employment. I am a freelancer, my income goes up and down every month.

You kind of should of put your numbers in to make it to where your numbers would be enough to make payments for the mod permanently and what you could afford to pay upon the HAMP trial.