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I don't have enough to bring the loan current????
March 06, 2007
Rhode Island foreclosure
This is an actual comment for a client:
”We are currently up-to-date on our mortgage. We used our tax refund in order to bring us current. However, we are short and I was hoping to modify my mortgage. My loan was with Mortgage Lenders but was sold to America's Servicing Co. effective 3/1/07. I have not contacted them yet. I am not sure anything can be done until we are behind. But I was looking for advice. My husband and I divorced in 2002. I kept the house and created a lot of debt in trying to keep the house. We reconciled in 2004 and my husband brought his new debt. We have been struggling ever since to get back on track. PLEASE HELP. ”
For us to get you a workout we have to show you can afford the house. If you can afford your normal payments we can typically get them to put the past due amount into the loan if you can come up with a good-faith payment.
Comments
I am 2 month behind in my mortgage, I am interested in the loan modification program. But, they said if I'm in a positive I cant be approve .... if I am in a negative either....Please tell me exactly what I need to do to get approve. thank you so much
I had applied for the loan modification on 8/15/07. I was informed that I was approved due to my mortgage was current and have no late on any of my payments for two years. My rate is about to adjust two months and my monthly mortgage is comming from 6% to 9% and my monthly is going up another 1k. That is something I cannot afford that's why I applied for modification. I received all the paperwork on 8/20 and I was informed to fax all the docs that needed to be faxed which I did right the next day. I called on 8/22 to see if they received the fax. I was informed that someone had closed the account by accident and wont tell me the reason why. He said it is being handled by his supervisor and will let me know why someone from another dept had closed the account. Please advise. All through out the conversation it seems to be positive and I was even informed that I was approved and advised me not to pay for, October and November payment and start paying on Dec 1st because thats the modified loan. Please advise. I am still hanging and trying to find out what happened. I had been calling the supervisor from ASC and he has never return my call. Please advise asap!!!!
my house went into foreclosure with a sale date nov. 27th. i would like to write a hardship medical letter with a modification to re mortgage to chase financial but dont know how to write one. could you please send me some similar letters so i can get started? thank you