I am so truly grateful for their assistance as well as for all the support and direction I have received on this site from Cat and the other monitors and participants! I think that the article that Cat posted above shows that the banks stand to make a profit from foreclosing on your home instead of modifying because the investors have already been paid off by the insurers and from lawsuits therefore, the banks will avoid giving a modification as long as possible and instead attempt to bully you into a short sale or foreclosure for which fast online payday loan they can keep the full proceeds. Fight for your home and demand fair treatment from an abusive financial system!!! That is good news, maybe you could speak to the AG monitor prior to accepting and explain to them that they are not allowing you to use the KYHC monies that you were approved for and see what they say. You have been fighting for so long, this is a hard decision to make. 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.
Is there a legal entity I can contact in Georgia for some type of legal advice? I would love some input from you here on some state specific information about Georgia and some help. However, the attorney also said that the banks have been notoriously terrible at communicating that this is what kind of modification it is and the only one for which my loan is eligible for.
So perhaps since you are being considered for an in-house, you may actually be in a better position and have a better chance to be offered a modification. I think working with NACA was useful because of their document portal system that does very well with warehousing and recording the necessary documents for the modification, instead of having BofA constantly lose the documents or say that you never sent them in.
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This is better than endlessly trying to get your BofA CRM on the phone! To me, though, working with NACA was much like working with other HUD agencies. Their counselors help you prepare your budget and tell you what documents to submit. The difference with NACA over HUD is that you can go in an view your portal to see if your documents have been received by the bank. As for the NACA event I attended, maybe things were different at the height of the crisis, but my impression of the whole process was that it is a way to get everyone processed and into vip loans the system in an orderly fashion.
The whole event is set up like a human flow chart, sort of like a pipeline, where you get routed to specific areas based on your situation and you sit for long periods of time with other folks until you get to speak to a NACA rep who addresses your specific issue. BofA will tell you anything on the phone, but they will not usually put it in writing.
My impression at the vip loans event is that NACA just facilitates the process for the homeowner and the Bank and attempts to educate and inform the homeowner about their situation. I think this may be especially useful for folks who may not understand even the vip loans basic financial process or who are under-educated or have poor English skills. In short, in my situation, I hit a wall both with BofA and through working with NACA.
In fact, after they got involved, the whole tenure of my on line loan interactions with BofA suddenly changed from trying to bully me into a short sale to telling me in positive tones that the modification is being validated, and then suddenly offering me a permanent modification. It getting loans with bad credit just lowers the interest rate and payment by extending the loan. The CA AG Attorney remains in oversight for my situation as I work through finalizing the permanent mod with BofA to make certain everything progresses as it should. I made the first payment on June 1st and am on track to make the second payment on July 1st, after which my CRM informs me that my loan will return to normal servicing.
As I previously mentioned, the terms for easy online loans no credit check the modification are really bad, with a high payment, because this modification just basically extends the loan to 40 years and includes all the horrendous fees BofA tacked on.
In any case, today, a month after signing and returning the modification papers to BofA, I received a NACA email alert informing me that my Servicer has made me a proposal. Thinking it was for a principal reduction, I checked my NACA website only to see that the offer from the Servicer was exactly the same modification I have already received and am currently paying on?
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Thank you for the explanation about what to do with the NACA alert. Thank you for the explanation about what to do with the NACA alert.
Naca and BOA are giving me the run around and dont want to help. I just want to tell them to offer me a mod so we can all move on with our lives.
They also sent me a letter that because I went with NACA I will not be able to go thru HAMP... All I got to say is if I did my job like Bank of America does theirs I would be FIRED and living in the streets. Naca and BOA are giving me the run around and dont want to help. I just want to tell them to offer me a mod so we can all move on with our lives. They also sent me a letter that because I went with NACA I will not be able to go thru HAMP... NACA helps homeowners achieve a modification through any loan modification program - especially HAMP.. 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.
However, after receiving the permanent modification in May 2013, BofA just told me that my loan would return to normal servicing within 30 to 60 days of the perm mod (May 24), but I did not receive my regular payment coupons and had to continue calling in each month to make my payments.
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The CSR was mostly unreachable she did not answer the phone, return calls or emails, and would miss all the phone appointments for my payments. Since no matter what number I called, I was always routed directly to her voice mail, the only way I could get another live person on the phone to make my payments was to call the BofA Executive Team. After the 60 days had passed for me to receive my notarized perm mod and regular servicing coupons, and after calling the ExecTeam again, the CSR said that the documents had been delayed because BofA was overwhelmed with so many docs from other customers. The CSR said she would get back to me the following week with when I would receive the docs, but of course she did not, and after she would not respond to my numerous emails and calls to follow up, I called the Exec Team again and then was assigned a new CSR. The new CSR proceeded to tell me that the reason the I had not received the notarized perm mod docs and regular payment coupons was because I had only notarized one page of the perm mod docs they had affordable loan sent me in May. I said Oh no, guaranteed loan program that is not true, I completed everything that was necessary for those docs and they were accepted by BofA in May and no one mentioned this before. I said if that was the case, then prove it and Fedex the docs to me immediately. I said I have done everything as requested and the notary completed these documents exactly right and that BofA was not going to blame their lack of following through on me and there was NO WAY I was starting this process again. After that, I suddenly received my notarized perm mod docs from BofA just this week with a notary date of August 15 which just shows they did not complete these before and were just stringing me along again. This new CSR is also more accessible, and when she called me back yesterday to respond to my voice mail about when I will receive my regular payment coupons, she said that I would get these in 30 days, and that the reason my notarized perm docs from BofA had been delayed is because someone did not do their work (the last CSR), and not through any fault of mine. My questions now are since I have received the notarized perm mod docs, will there be a new recording of title with the county?