No credit history loans

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 I have been trying to fax something to the CEO however, the fax number is no longer in service.

Within 2 hours, I received a call from Michael of OOP. The strange thing was that he called my work phone not my home.

You may be hard pressed to find someone on the forum who specifically dealt with a Michael out of the OOP due to the fact that the OOP is very large. That is good news that you have someone to listen and try to help you. 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 be sure to submit photocopies of your documents—DO NOT send originals. Rental properties are harder to modify at bank of america, and proof of occupancy does hold back a lot of mods as does the lack of income proof or hardship proof. We accept and they tell us they will be sending the paperwork via Fed Ex within a week.

Who would I contact when we have received a call and an email from Bank of America telling us they have an offer for a modification on our first mortgage.

We accept and they tell us they will be sending the paperwork via Fed Ex within a week. What type of modification were the previous two, inhouse or HAMP? You can check if your loan is backed by Fannie Mae or Freddie Mac 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 The reps come and go at BofA, but if you are looking to escalate your file or have an issue you can go directly to the CEO by either email or direct line 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 HiI was told to send some document for an-inhousr mododfication to this address , but I am not sure if it correct address, can someone tell me if this adress is correct please : BAC CORRE RESONDENCE uNIT po box 940042 Simi Valley, CA 93094-0042Thanks for your help no credit history loans HiI was told to send some document for an-inhouse mododfication to the following address , but I am not sure if it correct address. Can someone tell me if this address is correct please : BAC CORRERESONDENCE UNIT, PO Box 940042, Simi Valley, CA 90042.

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. After 4 years of fighting and foreclosure proceedings I was granted a loan modification Nov 2015. I signed a loan modification and a subordinate note. I know BOA will start foreclosure proceedings but what happens with my subordinate note (partial claim)? Are they combined into one foreclosure proceeding or do each one handle their own? The Partial Claim is essentially a separate 2nd mortgage. They own both loans so all they need to do is foreclose on the 1st as they do in normal proceedings. 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 I received a mortgage from BOA April, 2009.

I defaulted on May 2011 due to a no credit history loans loss of income and had to file bankruptcy.

All of which were denied for some reason or another. Bank of America served me cash advance indianapolis with a complaint in 2014. One month before the court date get a loan today BOA offered me a loan modification with my first payment Sept 1, 2015. I had an awful accident and was out of work for 4 months. Once I was back to work I contacted her and she send me a loan modification packet and said due to this hardship we would consider a new loan modification application. November 1, 2017 I received notice from Bank of America saying they sold my mortgage to Carrington Mortgage. I received another letter from BOA saying thank you for participating in our loan modification program and that I no longer have a contact at BOA. How long does it take for a sold mortgage to be processed? Does BOA send over the loan modification paperwork I sent to them? Being that my mortgage was discharged with BOA what does that mean with Carrington?

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 had just sent an email to Brian Moynihan today detailing my two previous in house modification rejections... I am current, have a 1,500,000 1st with BAC (maybe now with BoNY at 6. Have spent down all my liquid assets staying current.... What is the relevance of what he is calculating based on my existing high payment?? I ask to speak to his manager and waiting for a call back. Evan Tom Eason anyone that sees this please respond Need your help... I had just sent an email to Brian Moynihan today detailing my two previous in house modification rejections... I am current, have a 1,500,000 1st with BAC (maybe now with BoNY at 6.

Have spent down money in advance payday loan all my liquid assets staying current.... What is the relevance of what he is calculating based on my existing high payment??

I ask to speak to his manager and waiting for a call back. Evan Tom Eason anyone that sees this please respond Thanks for your post.

What that BOA rep told you about qualification for a mod on your 1st makes no sense (so what else is new, lol).

You will need to add taxes and insurance to arrive at your PITI to compute your DTI.

BOA can likely stretch out your loan term to 40 years if necessary.

What that BOA rep told you about qualification for a mod on your 1st makes no sense (so what else is new, lol). You will need to add taxes and insurance to arrive at your PITI to compute your DTI. BOA can likely stretch out your loan term to 40 years if necessary. Does someone know the mailing address to send an authorization to contact letter to Bank of America.

I was cash fast loans told by bofa the assignment case manager for my account is in N. With Banking investment i believe Real estate payday loans weekend funding investment is also very good.

I found a Real Estate broker at 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. The intention of the program is to place homeowners in an improved financial situation by reducing their monthly debt obligations and, potentially, help them create equity in their property. We are offering eligible customers who are behind on their home loan payments the opportunity to have their remaining second lien mortgage debt eliminated.

With this offer, the full unpaid principal balance on the second lien mortgage will be eliminated. The goal is to help customers remain in their homes and avoid foreclosure whenever possible.

By eliminating this debt for eligible customers, we are trying to help them get back on track financially with their first mortgage payments and return to sustainable homeownership.

To qualify, customers must currently have a second lien mortgage owned and serviced by Bank of America that meets certain threshold delinquency or property value criteria, or a second lien mortgage associated with a first lien mortgage that is severely delinquent. Only second lien mortgages owned and serviced by Bank of America are eligible for this extinguishment program.

It does not matter who owns and services the first lien mortgage. The vast majority of the second lien mortgages eligible first loan for this program are in default in their subordinate lien position. A small number of second lien mortgages that no credit history loans are paid current will be extinguished if they are associated with a first lien mortgage that meets the program criteria. Eligible customers will receive letters from Bank of America via Federal Express or certified mail, explaining the offer to have their second lien mortgage debt eliminated. At this time, only customers receiving letters will be eligible for the program. We will eliminate the remaining second lien mortgage debt for eligible customers, unless they contact the bank to decline the offer within 30 days of receiving the offer letter. Customers are asked to contact a Bank of America Home Loans representative at 1.

We will be contacting customers who are eligible to have their second lien mortgage debt eliminated. Customers cannot 1hr payday loans request to be part of the program. The elimination of the second lien mortgage is completely separate from any actions being taken regarding the first mortgage. If the first mortgage is in foreclosure, those foreclosure activities may continue.

Customers should continue to answer and reply to all foreclosure communications from their first lien lender. If customers do not understand the legal consequences of the foreclosure, we encourage them to contact an attorney or housing counselor for assistance.

Bank of America may be required to report no credit history loans the amount of the eliminated second lien mortgage debt to the Internal Revenue Service. Current federal law provides for loan application certain exceptions to tax liability when debt is forgiven in connection with a foreclosure prevention transaction for some customers however, debt elimination may trigger state and federal income tax liabilities for customers. To understand whether they qualify for one of these exceptions and what other tax implications this transaction may have, we urge customers to contact a tax professional. Additional information on mortgage debt forgiveness can be found at Additional government-sponsored and proprietary Bank of America programs are 100 day loans bbb available which may involve the partial or full elimination of second lien loans. In a lien elimination, the entire balance of a mortgage loan is reduced to zero, the lien securing the loan is released and the mortgage note is cancelled.