Bad credit payday loans no credit check

It really doesnt seem like it should be this hard to make a decision. Just figured I would throw an update on this original. We got our paperwork in Dec, then were asked for new paperwork because the forms we filled out were not correct (US Bank wanted theirs done 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 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 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 bad credit payday loans no credit check have been looking at it since at least May when they first asked for more info.

In June I called (after was told file complete and was with underwriter) to get progress.

Was told it was in limbo between Gatekeeper and underwriter after receiving bonus explanation. Called today and was told they were overwhelmed and it was waiting on new income calculations. After having all my documentation in since Jan 8th and only requesting more paperwork twice, seven months seems like a bit long for not much movement. The docs they have asked for since everything was done seem to have very little to do with my current financial situation but I keep getting whatever right away so they cant blame me.

I feel like there is no real benefit to delaying for them, I mean if they dont think a loan mod will work out then its better to give a no so they can start foreclosure and stop taxes liens from hitting the property plus the longer someone is in a home they think they will loose the less likely they are to care for it.

The docs they have asked for since everything was done seem to have very little to do with my current financial situation but I keep getting whatever right away so they cant blame me. I feel like there is no real benefit to delaying for them, I mean if they dont think a loan mod will work out then its better to give a no so they can start foreclosure and stop taxes liens from hitting the property plus the longer someone is in a home they think they will loose the less likely they are to care for it. Hope bad credit payday loans no credit check thats true, May I was only asked for clarification on the HELOC as it was discharged 5 years prior and they could grasp it doesnt accrue interest. The only item was a 2013 tax return on a closed business so to me they sound like little items and hopefully just clearing up the loose ends before an approval.

It is bad credit payday loans no credit check great to see you members sharing and helping one another with quickin loans your stories. That is the main reason I built LoanSafe and it has become a community. The reason they delay the process and always give excuses is because the personal loan fast approval mortgage servicer makes more money when you are kept in foreclosure. The longer they keep playing games with paperwork, the more fees they can rack up. You can bet your bottom dollar if you were getting a new mortgage, they would not lose paperwork and get it to you in time. 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. I was told all late fees stopped as of the receipt of my mod. I know I am accruing interest but I would regardless. The only benefit I can see is if they truely wanted you to default and walk away so they could keep the home a delay would let you fall further and further behind which they would think means its even less likely you can make it current.


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Everything I have read says banks bad credit payday loans no credit check do not want your home, its more work for them and by the time they actually get the person out of the home loan for bad credit instant decision its just more of a loss for them. Plus if they really wanted to foreclose then why delay the mod knowing how long the foreclosure process is and the mod is adding to the delay. In my case getting behind any number of months has no effect on me, the loan was discharged so its not even on my credit (well the discharge is for another year). I dont see any downside of them taking forever other than I am going nuts and would like to get my life moving forward. Every month I dont pay is another payment I put in savings so if I got a mod my emergency funds are even more. If I dont get it, I write bad credit payday loans no credit check a very large check to get current and pray nothing comes up down the road to put me behind again.

Speaking of making yourself current, If I was denied then I made myself current and then in 6 months started falling behind can I just try for hamp again?

Are there no laws cash loans fast no credit check on how long it should take to process these? I was told all late fees stopped as of the receipt of my mod. I know I am accruing interest but I would bad credit payday loans no credit check regardless. The only benefit I can see is if they truely wanted you to default and walk away so they could keep the home a delay would let you fall further and further behind which they would think means its even less likely you can make it current. Everything I have read says banks do not want your home, its more work for them and by the time they 100 approval payday loans actually get the person out of the home its just more of a loss for them. Plus if they really wanted to foreclose then why delay the mod knowing how long the foreclosure process is and the mod is adding to the delay. In my case getting behind any number of months has no effect on me, the loan was discharged so its not even on my credit (well the discharge instant small loans is for another year).


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I dont see any downside of them taking forever other than I am going nuts and would like to get my life moving forward. Every month I dont pay is another payment I put in savings best payday lenders so if I got a mod my emergency funds are even more.

If I dont get it, I write a very large check to get current and pray nothing comes up down the road to put me behind again. Speaking of making yourself current, If I was denied then I made myself current and then in 6 months started falling behind can I just try for hamp again? The fees would apply only if you were in default and or actively in foreclosure. They delay the loan modification because they can rack up late fees for as long as you are still in default and not given a loan modification In regards to banks not wanting your home, they could care less because of several reasons. One is that banks do not lend their own money so they lose nothing. Two would be they own the home anyways and you are just a mortgagee. They would just get the home back and sell it a again. Three, they are best online loan sites insured against losses backed by tax payer money. 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 fast cash loans today the individual author and may not reflect the opinions of the firm or any individual attorney.