Texas loan

It has been 5 months since I started and almost 11 weeks since they said my file had everything they needed. Today they asked for a statement on my 2nd mortgage which I addressed already 12 weeks ago.

I told them this loan was discharged about 6 years ago in a bankrupty and the lender stopped providing statements.

They said to get something that showed the balance an the lender was able to provide only a payoff statement. This pay weekly loans online was fine they said but now they want Monthly statement showing interest and as I told them this is the only thing the lender will provide and it was sufficient 11 weeks ago. It does not texas loan accrue interest or payday advances increase, it is basically a lien on the home if sold or until I choose to pay it off. I guess it took all the time to even look at the one document they were waiting on. I reminded my rep of this and waiting for a response. Lender is us bank, no trial payments as I am still waiting in a decision.

It has been 5 months since I started and almost 11 weeks since they said my file had everything they needed. Today they asked for a statement on my 2nd mortgage which I addressed already 12 weeks ago. I told them this loan was discharged about 6 years ago in a bankrupty and the lender stopped providing statements.

They said to get something that showed the balance an the lender was able to provide only a payoff statement.

This was fine they said but now they want Monthly statement showing interest and as I told them this is the only thing the lender will provide and it was sufficient 11 loans for people with bad credit history weeks ago. It does not accrue interest or increase, it is basically a lien on the home if sold or until I choose to pay it off. I guess it took all the time to even look at the one document they were waiting on. I reminded my rep of this and waiting for a response.

Most of the lenders want you to update your financials every thirty days. You are in Modification Hell right now, what is commonly referred to as the Hampster Wheel. 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. We had some hard times and in 2010 had to do Chap 7. I figured we should try for HAMP instead since we are close to making enough to pay everything each month but nothing extra so trying to recoup the back amount owed is impossible. Everything else is current, the late fee for the mortgage is the same as any small payment so it makes sense plus that is already noted as discharged. Skipping one more payment would help get our finances a little better but we can scrap by if it helps our HAMP changes.


Unsecured loan company

If I were you, I would just skip it and go for the HAMP loan modification with your best effort.

It may take a few months and fast cash online loans you can save some money during this time. The reason I say I would go for it and not make payments is because you have no short term financial solutions and no matter what you will be late if you do not get help soon. Enjoy the holidays and pay some bills as your wife works on her income and you both work on getting a loan modification to save your home. 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 Thanks, let me ask worst case scenario if I skip payments completely. I looked up PA and it seems we have a long foreclosure process anyway. So if it took 2 months for a HAMP decision I would then be 4 months behind. I have no plans to go on a spree and would simply save that extra.

If I was texas loan denied the HAMP could I pay everything in full to be current again? My thoughts are I would have 2 months payday loa saved and this would put me close to my refund time which would cover the remaining past due. By next year by wife will have income, she recently passed her RE exam and has a few clients but those take 60 days to close after they what they want.

They are not supposed to foreclose while you have a HAMP or in house loan modification application pending, but it can happen.

Normally the foreclosure will be delayed and as you stated, the foreclosure process in PA takes some time. If you are denied and or at loans for bad credit history instant decision anytime, you can cure the loan by paying all back payments and fees owed to bring your loan current. 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 am three months behind on my mortgage as of Jan. I received an email from my RM stating that as of Jan.

They state they are awaiting for their Quality Assurance team to pass my file to Gatekeeping for income calculations and this could take up to 30-45 days if no further documents are needed.


Persoanl loan

Now, dated 1-8-2016 I received a 30 day demand letter stating if I did not pay my three past due payments and the late fees by 2-7 midnight, they will accelerate the loan and proceed with foreclosure. My question, do I try and pay the arrears within the thirty days, or do I ignore the letter and hope the loan modification is approved. And finally, if I do not pay anything, even though I missed the thirty day deadline, will they allow me to do a catch up as laid out in the letter if I am denied a modification, or will they accelerate straight to total loan payoff...

This is standard protocol with all mortgage servicers to send a letter with their intent to start the foreclosure process. If you want to cure the loan and avoid a default, yes, you can pay all the arrears and late fees to bring your loan current. They cannot foreclose on you if you pay all that is due, and it will stop the foreclosure process. You can also pay all the arrears at anytime whether you are 3 months, or 6 months behind to bring the loan current all the way up to right before the foreclosure sale. 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 texas loan 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 This is standard protocol with all mortgage servicers to send a letter wit their intent to start the foreclosure process.

If you want to cure the loan and avoid a default, yes, you can pay all the arrears and late fees to bring your loan current. They cannot foreclose on you if you pay all that is due, and it will stop the foreclosure process. You can also pay all the arrears at anytime whether you are 3 months, or 6 months behind to bring the loan current all the way up to right before the foreclosure sale. I am current on my mortgage and never been late with a payment in over 10 years. Unfortunately, my wife has just had to take a leave of absence from her job to care for her Mother who has liver cancer and is awaiting a transplant. Her job will be available to her when she returns but that could be anywhere from 9 months to years based on a whole bunch of variables. As I am looking at the options, it looks like HAMP might be a possibility but I wanted to make sure that this long-term family medical leave is a viable change of status. It appears that the Request for Mortgage Assistance requires an unemployment letter or proof of unemployment benefits.


Payday loans pittsburgh

Can someone let me know whether we would be eligible and if there is any additional information we should provide? They will most likely not even consider a loan modification until you are late 30-90 days.

Even after that time, it will be tough because as you stated, it is not for her or you, but for another family member. Remember they are simply debt collectors and they do not care about hardships, they just want their money.

A loan modification is very difficult even when it is you who has a medical issue or become unemployed. But you have to do what you have to texas loan do for family reasons. Please keep in mind that if they do play hardball, you can go from 1-2 years payment free while in foreclosure and build up cash reserves possibly based on your income. 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 Just figured I would throw an update on this original. We got our paperwork in Dec, then were asked for texas loan new paperwork because the forms we filled out were not correct (US Bank wanted theirs done how does cash advance work not the ones from the gov site). We got that to them in Jan then back and forth on various other documents until March which we were marked as complete. Nothing until May when they asked for more documentation texas loan on a HELOC that was discharged which I got in immediately. Nothing until June when they asked for tax docs on our business that closed way back in 2013. I have gotten weekly updates from our agent bad credit cash loans online so we know they are never waiting on us, she said their dept is overwhelmed and way behind.

I was told 2-3 months and here we are into month 7. We are now like 10 months behind, it would be huge to get a MOD at this point. Honestly I would have been thrilled to just have our 2 months we were behind at the start added to the end. It is shocking (not really) how they drag this out. I know the underwriters have been looking at it since at least May when they first asked for more info.