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They reckon they can collect what fees they can, and if the pool moves to another servicer, so be it. I doubt that the servicers have any sort of direct accountability at this time. So much money is being funneled into treasuries and bond funds... If they find that the property is either not well insured, or will never sell at auction, they might mod it. We know the servicer is not working in the best interest of the investor, thats FACT!..... The 800 page PSA they work under simply states they will work in the best interest of the investor, but they dont!.... Yes this report can go all the way to court level if neeb be..

I best online loan sites personally have only seen 3 cases gotro court of which all 3 cash loans instant were awarded modifications, and MARTIN should be touching on this. I know the judge through the report in the face of wells fargo and gave them 30 days to MODIFY loan according to the Loan disposition Analysis... IS ran, and it shows you qualify and that report goes into the file or is sent directley to the investor which we always try to do... AND THAT REPORT SHOWS THE INVESTOR WILL MAKE MORE MONEY BY MODIFYING THAT LOAN... Generally after seeing the report and no credit check payday loans dallas tx complete package showing income etc... They decide just to modify the payday loan florida loan, and this is on EARTH its working daily at my office call me anytime ill explain it more in detail. This really is the only thing left for a homeowner to do, that doesnt want to or has paid 3-5k for an aottorney... I finally got trial payments for Oct, Nov, Dec of 2010. Give me a call so i can at least get the NPV advance check loans inputs, and be ready if MOE chooses you... It started 3 years ago when my son suddenly became critically ill. I have been fighting for a loan mod since March of 09. I have years of mortgage and real estate experience and know that when I make my weekly call to the bank, I will get these conflicting and ridiculous responses. They have calculated our income erroneously, which I am diligently attempting to correct, and appeal the denial we received after 19 grueling and exhausting months. I also discovered the NPV worksheet may be flawed depending on how the Underwriter enters the data. This is a common mistake from a comment a Servicer made, and it must be corrected manually.

NPV was updated the day after our denial was issued.


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I have not been successful in explaining this to our Servicer,they get very flustered when I ask these very specific questions. My husband and I are at ages where we do not have the luxury of starting over--our home is all we have left from the ravages of the economy.

I know we can certainly afford reasonable payments, and want desperately to keep our home. It started 3 years ago when my son suddenly became critically ill. Its very important to know who you negotiator is....

THIS IN MY EYES IS THE SINGLE MOST VALUABLE PIECE OF INFORMATION YOU SHOULD HAVE WHEN DEALING WITH YOUR BANK, AND KNOWING WHO THE INVESTOR IS, works as EXTRA AMMUNITION... YOU CAN SEND A REPORT DIRECT TO INVESTOR, IF YOU HAVE TO..... We have got only good news from them RE: REST REPORT...

AGAIN MOE HAS TO APPROVE THIS I DONT WANT TO WASTE, no saying its a waste but we only have 3-4 free ones.. IM THINKING WE CAN MAKE A DISCOUNT FOR LOAN SAFE MEMBERS BUT FIRST ILL TALK WITH MOE AND BTW..... YOU ARE LIKE LUCKY KIDS ON CHRISTMAS, BECAUSE THEY LOVE THE REPORT, AND ARE STRIVING FOR SERVICERS TO RUN THEM.... I have been fighting for a loan mod since March of 09. I have years of mortgage and real estate experience and know that when I make my weekly call to the bank, I will get these conflicting and ridiculous responses. They have calculated our income erroneously, which I pay day online am diligently attempting to correct, and appeal the denial we received after 19 grueling and exhausting months. I also discovered the NPV worksheet may be flawed depending on how the Underwriter enters the data. This is a common mistake from a comment a Servicer made, and it must be corrected manually. NPV was updated the day after our denial was issued. I have not been successful in explaining this to our Servicer,they get very flustered when I ask these very specific questions. My husband and I are at ages where we do not have the luxury of starting over--our home is all we have left from the ravages of the economy. I know we can certainly afford reasonable payments, and want desperately to keep our home. The rest report uses the brand new as of December 3.

Hi, I have been in foreclosure hell for over 2 years. It may seem great but who how to get a bad credit loan wants to wake up every day not knowing if you should do like the neighbors and leave or hang on waiting for a miracle.

Every time I miss a payment it gets added to arrearages so I am just putting my family in greater debt and that is not a good feeling. I have been dealing with Countrywide now Bank of America with this mess since 2007, I am 80,000 in arrears owe over 250,000 on a home I bought in 2005 that is valued at 90,000 and I have been denied a loan modification many times for many reasons. I thought we had lost our home when I declined because they set a sale date but I kept contacting pay day online different departments to cancel the sale.

I even had to call the trustee myself the day before the auction to cancel the sale. So anyway I received paperwork for a trial modification under the HAMP program to begin April 2010.

I called to get an update and they said they needed more information. I sent docs they asked for and again send me envelopes by FedEx asking to use their return envelope for more docs. I received a notice dated Dec 28, 2010 of missing required documents and they gave me a deadline of Thurs Jan 27,2011 to fax all documents but I received a notice dated Jan 6, 2011 on Jan 11, 2011 that the Modification was declined because the financial information submitted indicates I do not have resources to support a repayment plan or loan modification and to please contact BAC if your situation improves. I do not work but my husband has been at his place of employment since 1994 (USPS) and we had a hardship when they cut hours a few years back and our mortgage payments (we had 2 homes at the time) went up. I pay day online am ready to send the docs but I am too tired of living in a house pay day online of cards and my husband has told me time and time again to let it go and find a place to rent and be done with it. I thought we would have received the modification in the beginning when the PO cut hours because of job stability but I have always wondered and tried to figure out the financial side of what we are dealing with. I think the rest report would give me a clear look into all this mess and give me insight into what I am really trying to do here. I hope As business began to cool in 07-08 my income took a hit. In late 08 it became apparent we were falling behind.

Like best place to get a loan good little drones we notified the bank and asked for some help. This was our introduction into the TwiLight Zone now known as the HAMPSTER WHEEL. In the intervening years we have gone thru every kind of hell the bank has thrown at us.

Jerked around by lost paperwork, updates up the ying yang, etc, etc, etc.... We worked the numbers with the bank and they qualified us for a trial payment plan in early 2010.

This of course began the cascade of phone calls and letters from people wanting to help... I found this forum, desperate and looking for emergency cash now the right path to take. Like many others here, I have spent hundreds of hours reading, studying, learning. Trying find out what I could do and who I could talk to to help us save our home.

My paperwork is till under review in some dark dingy hole at my servicers, getting kicked around til the time they decide to foreclose. I have spent countless hours trying to figure out what motivates the banks to decide what they decide. After reading the threads and all applicable links, I saw a tool which would allow me to know in short order if I qualified or if I was wasting my time trying. So I jumped at the chance to be a guinea pig for this forum. I hounded down Charlie and threw myself into the mix. I took pay day online the afternoon off and made myself available to answer all their pre-qual questions on income, property values, loan status etc. Then we get on a 3way call with my bank to get current data. The important thing to remember is that these results are based on the algorithms used by MY BANK and criteria from Treasury for the NPV test. The results show I qualify for modifacation based personal loan online apply on 2 facts. It is in credit loans my investors best interest that my loan get recast rather than the properrty pay day online be retaken via foreclosure, and 2. Thinking back on all the hours I spent beating my head against pay day online the computer monitor trying to get somewhere close to knowing the above, it was amazing to me that in a few short hours these data were presented to me. This to me is VITAL because it tells me where I should spend my time. At the end of the day, most of us will save countless days and hours just learning quickly whether we should fish, personal installment loans or cut bait. It is on to the next phase where I present this data to my bank.