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However, having the 2nd sign a subordination agreement should have no affect on her ability to settle the account at a later time. IMO it would be best to continue with the mod and later work on settling the 2nd mortgage with Nationstar, she should have plenty of time if she is still underwater.

You may want to provide her with a link to the strategy for settling 2nds thread 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 cheap payday loan or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer So Evan, is the first the one who is going to ask for the subordination agreement? At that time I called about refinancing but was redirected to modification instead.

What a bunch of stupid paperwork it has been, anything and everything, ONE item at a time. What do you know about these subordinations on a modification? Is it legitimate or am I being run around to buy them more time?

So Evan, is the first the one who is going to ask for the subordination agreement? The first mortgage is going to request the subordination agreement (ONLY WF requests this) and this would not be required if the second was settled prior to completing the modification. I started this thread in April because a subordination agreement should NOT be required to complete a modification, yet WF continues to request this and wrongfully deny homeowners assistance. 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 After three years, I finally got my modification!!!! I had an issue with a subordination during my HAMP trial last year. My 2nd lien holder did not understand the need for a subordination in the first place.

I hope that helps someone out there going through the same problems as me.

Wells Fargo needs to extend this policy to ALL junior liens, regardless of the balance! 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 payday loans no brokers or fees 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 to ask.... During that 3 year period, were your payments applied to your mortgage? Nor were those payments reported to credit reporting bureaus, rather I am being reported as 6 months late -on going, so next month will reflect 7 mos late, etc. I have never dealt with such incompetence and disregard for a customer base from a business before in loans for people with bad credit my life, short of Time Warner cable, but that story is for another forum. I have a second with a balance of 19k and they said no to subordination, literally out of spite. Wells Fargo was AMAZING to work with and this small town bank basically flipped me the bird when I asked them. The Wells balance is 295k, and currently in 1st position. The HELOC is in 2nd position with a balance of 19k.

We were offered a loan mod from Wells, and then the HELOC bank basically said not gonna happen, we would rather get NOTHING than stay in 2nd position. I LOVE my Wells loan specialist, I mean, payday loan direct lenders only no credit check we have agreed that if he ever comes to Montana, we are getting drinks! He has told me that when I send a fax, it takes 48 hours for it to be processed and show up on his computer screen. I told my specialist I wanted to send him a card and we get along well, so he hooked me up with his desk address. It is REALLY different from the one you send docs to.

So, I can see how mail can take forever and a day to get to them that route. 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.

This is something that should have been done a long time ago and I figured we should stick a thread here for Wells Fargo success stories.

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. 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 Full extinguishment of second loan!!!!!!! Wells Fargo has finally released the lien on my second mortgage. I had been trying to settle with them for around 19 months. Most of the information you find here is easily available on the payday loans no brokers or fees 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 no credit check personal loans the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Long time lurker and first time poster here. After almost three years of struggling through HAMP hell and going back and forth with Wells Fargo, we finally received our permanent loan modification paperwork on December 10, 2012. In 2009, they made their first attempt at a loan modification. They were current on their loan and because of this, their original service representative told them she could not help because they were current and loan modifications were only for customers that were 3 months or more past due. They stopped making their payments and we went loan needed through a vicious cycle of applying for a HAMP loan modification, submitting, resubmitting documents, getting denied and then being told to reapply again because our original paperwork (application, paystubs, and other docs were no longer considered current). Wells Fargo attempted to foreclose on the house in October 2011 even though we were in the middle of another loan modification application.

My folks ended up filing for bankruptcy to protect the house and we continued to fight for our loan modification.

Our application was sent to a Home Preservation Specialist from the Bankruptcy department in February 2012.


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This process was VERY different from our past 7 attempts at a loan modification (and by attempts I mean 7 different applications, 7 different preservation specialists, 7 different denials).

First off, she actually treated us like human beings. When she told us that she would have an answer in a week, we would get a phone call in a week. If we left her a message on her voicemail, she would call us back five days later. When her computer was updated that we were approved for the trial modification, she called us personally to tell us. Five months after we started our Hamp loan modification attempt in bankruptcy, we were approved for the trial modification. We made three trial payments in September, October and November. In late November, the specialist told us over the phone that our permanent loan modification was approved and we would just have to wait for the paperwork to sign and return and make our payments by the first of the month, beginning December 1.

Our bankruptcy lawyer received our loan modification paperwork on December 12, we signed and returned it. I also have not received anything in writing from Wells Fargo that loan is officially permanently modified and they received our signed papers, etc. For payday loans no brokers or fees those of you who have been successful with Wells Fargo, how long did it take for all of your information to become updated as well as receive any type of document or receipt from Wells Fargo that they received everything necessary from you and the loan modification is now permanent? For those of you still working with Wells Fargo, good luck and keep fighting. It took us payday loans no brokers or fees 8 tries in documentation hell and even when things felt hopeless, we never gave up.

I also have not received anything in writing from Wells Fargo that loan is officially permanently modified and they payday loans no brokers or fees received our signed papers, etc.

For those of you who long term loans with no credit check have been successful with Wells Fargo, how long did it take for payday loan without credit check all of your information to become updated as well as receive any type of document or receipt from Wells Fargo that they received everything necessary from you and the loan modification is now permanent?