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If I do a payment over the phone, Wells Fargo calls the bank and takes the money immediately (for the first payment).

The paperwork says if the payment is not received in the month it is due, my trial will be cancelled. I actually just sent it off overnight to be delivered tomorrow.

I panicked and contacted Arielle who said to overnight it since they included a specific address on the payment slips. I would like to keep this thread reserved only for successful NACA loan modifications. Please post your current and new loan scenarios only. Maybe I spoke too soon about getting my modification. Since BoA told me to NOT make the next two payments (May and June) I am now in default of my mortgage and the credit card companies are cutting loans bad credit history my limits and my credit score has been dumped to the low 600s. I went ahead and made my mortgage payment online as usual today and the message said it was being applied to the May payment. Is there a NACA rep that I can talk to that can help me out? Maybe I spoke too soon about getting my modification. Since BoA told me to NOT make the next two payments (May and June) I am now in default of my mortgage and the personal loans companies credit card companies are cutting my limits and my credit score has been dumped to the low 600s.

I went ahead and made my mortgage payment online as usual today and the message said it was being applied to the May payment. Is there a NACA rep that I can talk to that can help me out? If you have never called - you may have to take some time to first tell them your whole story...

You can also try contacting Kevin and posting your question in the NACA forum as well.

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 your loan has been approved for a loan modification subject to successful completion of a Trial Period Plan under payday loans salem oregon the terms required by the Federal Housing Administration your loan has been approved for a loan modification subject to successful completion of a Trial Period Plan under the terms required by the Federal Housing Administration It is critical that you make the trial payments on time each and every month.


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Missing one payment american general loan during th trial period could blow the whole deal.

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 just wanted to say that I tried reaching out to you by email thru NACA about 2 weeks ago, and received a response from Tim Trumble, stating that you are no longer with NACA? While we cannot go into any detail on this public forum for privacy reasons, your specific type of loan is very often difficult to modify without the payment going up. Plus, mortgage is modified, taxes and insurance will be put into escrow ways to get fast cash without exception if it was not already part of the mortgage payment. NACA is willing to continue to work with you on trying to achieve an affordable payment if you wish.

The DOJ settlement does not mean that loans will automatically receive principal reductions if they are eligible. You must still actively seek a mortgage payday loans in ohio modification. Also, the DOJ settlement will affect only a very small percentage of mortgages.

While yours may potentially fall into that category, you will again have to actively seek a mortgage modification to find out for sure. This is the only way we can guarantee that your file has a complete and accurate record of the entire modification process. There are many ways of reaching NACA, so I am not sure why you had such trouble contacting us. We can be reached by phone, e-mail, NACA Forum, Facebook, Twitter and many other means. Should you go through foreclosure, short sale or bankruptcy, you may not be able to buy another home for at least two years. The quickest way to restore your credit is to achieve a modification which brings the loan current, then shows payments being made on time going forward. Regarding personal loans fresno ca the HELOC, what PFCU does depends on the terms of your loan, which makes it basically a legal question that NACA (or probably anyone else here) is not qualified to answer specifically. If you wish to continue to work with NACA, please let us know. Should you choose otherwise, we certainly wish you the best in your efforts to save your home! At best you can only have missed one payment in a 12 month period, but even then, again, you have to be current. The National Mortgage Settlement has different levels of help, one being 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. Please Read our Privacy Policy and Legal Disclaimer I have been so fortunate to find this site.

Through this forum I was able to get executive contact phone numbers and also a site that I could log into to check on mod status (posted by Cat) without having to call the bank 5 times per day! I was able to obtain info on exec line that I could not get from the loan specialist such as the level the mod was at. One actually told me that it was being reviewed need a loans loan lenders for bad credit bad credit for approval and this is great and it means they have a plan in mind, I was able to sleep better that night. I felt like I had company while I held my breath and waited at the mercy of WF. Well long story short I got my trial payments approved and I wanted to share with you all. Also the site link I got here to log in and check status is where I first learned results which loan specialist called me with the next day.

I just went along, of course I had stopped worrying and celebrated the night before lol Also another testimony that NACA works, especially if you have the required proof of hardship. I am a business personal loans companies owner so they had a hard time figuring my income from real expenses. I just kept hitting redial on my fax very often for just about a year!

If it had remained so I still would not be able to afford the payments as he only contributes a portion of it. I decided to dedicate the time to do it and it paid off. I encourage everyone to keep fighting as long as you have supporting documents that show hardship such as a reduction or loss of income and also to show that you can afford to make future payments, this is what they are looking for...

You should contact your congressman or hud agent to see if you qualify, or anyone you can to advocate for you. Not personal loans companies sure what type of loan you have why they are giving you such a hard time, are you personal loans companies going thru a hardship that you can prove? While we cannot go into any detail on this public personal loans companies forum for privacy reasons, your specific type of loan is very often difficult to modify without the payment going up. Plus, mortgage is modified, taxes and insurance will be put into escrow without exception if it was not already part of the mortgage payment.


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NACA is willing to continue to work with you on trying to achieve an affordable payment if you wish. The DOJ settlement does not mean that loans will automatically receive principal reductions if they are eligible. You must still actively seek a mortgage modification. Also, the DOJ settlement will affect only a very small percentage of mortgages.

While yours may potentially fall into that category, you will again have to actively seek a mortgage modification to find out for sure. This is the only way we can guarantee that your file has a complete and accurate record of the entire modification process. There are many ways of reaching NACA, so I am not sure why you had such trouble contacting us. We can be reached by phone, e-mail, NACA Forum, Facebook, Twitter and many other means. Should you go through foreclosure, short sale or bankruptcy, you may not be able to buy another home for at least two years. The quickest way to restore your credit is to achieve a modification which brings the loan current, then shows payments being made on time going forward. Regarding the HELOC, what PFCU does depends on the terms of your loan, which makes it basically a legal question that NACA (or probably anyone else here) is not qualified to answer specifically. If you wish to continue to work with NACA, please let us know. Should personal loans companies you choose otherwise, we certainly wish you the best in your efforts to save your home!

I am so happy that the information that I have posted here on the forum was able to help you. Congratulations on getting the approval to begin the modification, that is a big hurdle to overcome! The comments by me personal loans companies 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 e z cash loan National Mortgage Settlement has different levels of help, one being 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.