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This is when I found out that the 2nd was charged off in 2012. Everyone at ASC told us to not worry about the 2nd since it is charged off. That worked fine until Nov 2016 when the 1st mortgage was sold to SLS. There was a principal reduction done with the modification but the property is still underwater. We have moved to Florida and need to sell this house quickly. The county recorder still has the ORIGINAL banks on the Deed. The 1st online cash mortgage is current, never late, and well below market value. If we buy a new house, can we do a Deed in Lieu on the old one? Yes you can sell the home, you have to determine if the lien affects title - which it sounds like it does so they would want to be paid back and then it would be considered a short sale. The second online cash mortgage was with credit union, and they charged off in 2011, but did not receive 1099C from them. WF and credit union are lien holders on my property.

Now, I am trying to refinance on my first loan, and was told by the new lender that the credit union should www cash loans have been notified about the loan transfer, but when I called the credit union, they never got any request or communication about it from WF or SLS. The only request they got direct loan lenders no credit check was from the new lender requesting lien release, and I was told online installment loans texas that the credit union was working on it, but they mentioned that I still owe the charged off amount. Please clarify below questions: 2) Credit union said that something was not done right during charge off, but they are working on lien release now.

If they are working on lien release then, do I still owe the charged off amount? How can the new lender request a lien release if I still owe the amount to credit union? Yes typically that is just transferring the servicing rights, not necessarily changing who the actual investor of the loan is. If they are working on lien release then, do I still owe the charged off amount?

How can the new lender request a lien release if I still owe the amount to credit union? Yes typically that is just transferring the servicing rights, not necessarily changing who the actual investor online cash of the loan is. If they are working on lien release then, do I still owe the charged off amount? How can the new lender request a lien release if I still owe the amount to credit union? In regards to the property included in BK there guidance is to reach out online cash to your local VA RLC (Regional Lending Center) to confirm how they will view seasoning requirements.


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In all cases that I have personally reviewed VA is ok with properties included in BK and will go by BK seasoning. If the foreclosure is on a VA loan, the applicant may not have full entitlement available for the new loan. Check COE to confirm If Foreclosure was on an FHA loan, date to be used for eligibility is based on trustee sale, NOT when the claim was paid please contact your Regional Loan Center to determine if they will follow Phoenix RLC and include in loan submitted to UW. 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 comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal poor credit loans instant decision 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. Wells Fargo put a note on the door of the house about a week ago asking us to call them. A few days later, we received a certified letter to the same affect.

I chatted with WF online through their website and they recommended I call the Home Preservation Department. I explained that we do not want to preserve the home. They advised I should still call and discuss my options with them. Today I received a FedEx package with a stack of forms to fill out and send in to their Home Preservation Department. I was originally planning on just not having any contact with WF and letting this play out however it will. Any guidance from the community would be greatly appreciated. I just received an odd phone call from Wells Fargo. We are currently about 3 months late on our payments. I was getting tired of getting phone calls and voicemails from WF Home Preservation department, so when online cash they called just now, I answered the phone. The woman I spoke with, Erin, asked if we wanted to go through with a Home Preservation Interview. I explained that we cannot afford to preserve our ownership of the house. She simply said she would remove us from the department.


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She was saying that your file will be removed from the Wells Fargo Home Preservation Department which means that they will no longer pursue loss mitigation efforts to possibly help you save your home. If it affects anything, it may just speed up the foreclosure process. 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 quick cash payday loan or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. The phone calls stopped about 2 months after we stopped paying. I just finished another search for our names on the court website. The county the house is in is notorious for tacking on fees and liens for stupid violations. That was actually the last straw in our decision to stop paying the mortgage back in July 2016.

We had some rabbit holes under the shed on our property. Depending on how the tax sale situation pans out, my husband and I have been debating about breaking the radio silence to request a Deed in Lieu. The phone calls stopped about 2 months after we stopped paying. I just finished another search for our names on the court website.

The county the house is in is notorious for tacking on fees and liens for stupid violations.

That was actually the last straw in our decision to stop paying the mortgage back in July 2016. We had some rabbit holes under the shed on our property. Depending on how the tax sale situation pans out, my husband and I have been debating about breaking the radio silence to request a Deed in Lieu. Since 2007, short term quick loans 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 have been working on a mod for a while now, I just got another brutal request thru our laywers on clarification on info I sent them from May and june on bank statements and what I think is BS requests on clarification on tax deductions from paystubs. Trying to tell them I want to start paying again and save everyone the long expensive modification and foreclosure dragout...

I have seen this happen thousands of times and there is no other explanation other than that they are stupid and or do not know how to keep a file.

If you were applying for a new mortgage loan, do you think this would happen? Hell no because most consumers would cancel their loan applications and go to another lender. Essentially, your hands are tied and you are at their mortgage mercy. You will have to deal with their loan mod shenanigans until you finalize the loan 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. Since 2007, the LoanSafe forums payday loans hampton va 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 really want to keep my home (5 year old son just started online cash Kindergarten and the public school we are zoned for is excellent! WF has refused to give me a verbal or paper counter-offer and has asked me to ask around to family and friends to see if I can borrow more monies and then call them with a higher offer. My credit score has dropped from 715 to 643 in just 3 months and my CC debt is growing rapidly. I have not heard from WF since about 2 weeks ago, nor have I tried to call them. I do however recommend you get a current valuation via a CMA from a RE agent who farms your neigborhood. Your patience is required as this will likely be a long process. However, keep in mind that FL is one of 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.