August 01, 2010
We have been attempting to work out a modification plan with Select Portfolio and have been denied due for various reasons. We can afford our mortgage but since we are now over a year and a half behind they refuse to help.
May 11, 2010
My husband and I have been separated on and off for the past four years and are currently living and own two homes. We need help so we can keep both homes and avoid foreclosure. We are behind on both mortgages and have lots of student loans.
April 20, 2010
We have a received at this time a foreclosure date from Select Portfolio. We tried to work this out but we are not able to come up with the money to do a plan. They wanted us to enter into an agreement if we brought to the table $7,687.00 approx.
April 03, 2008
I currently due for my 4/08 payment. I just paid my 3/08 payment on 3/25/08. The problem is when I bought my house I didn't realize I signed for an arm. And now I'm realizing that my rate will change every 6 months. I need a fixed rate as soon as possible.
March 25, 2008
February 05, 2008
I am interested in information on a "short sale" and also on foreclosure in regards to Bankruptcy. I have a company transfer and they are going to purchase the home based on a current market appraisal. However, that appraisal will probably be 100,000 dollars lower than the value.
December 31, 2007
We are on a forbearance plan and are trying to catch up what we got behind, but they want us to make payments of $1500 to $1700 a month. We can't do it. We are getting further and further behind. Please Help
December 28, 2007
I was living with an ex-fiance who became a gambler, and has caused me to become behind. I had problems getting rid of him, but he is gone now I am able to afford my mortgage without him, he is not on my mortgage & I can afford it without him. My checking account has been in the neg.
December 21, 2007
I got hurt on the job and the company I worked for was not happy about it, and demoted me from night (salary) supervisor to (hourly) day operator and dropped my pay tremendously. Shortly, after that, they fired me.
December 17, 2007
I am currently in my second forbearance plan. I was able to submit the amount needed at first but the last 2 mos I haven't been able to pay the full amount due. I am looking to selling my home asap but I'm afraid I will not have enough time.
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IMPORANT NOTICE – PLEASE READ
There is no guarantee you will receive a loan modification. Even if you accept this offer and use our service, your lender may not agree to change your loan. Loan Modification approval is dependent on criteria including but not limited to hardship, income, debt ratios. American Foreclosure Specialists is not a Bank, nor a government agency or government affiliate. Our services are not approved by the government or your lender. American Foreclosure Specialists assists in the document preparation, working with and communication with your Mortgage Bank in the attempt to acquire an approved Loan Modification. If you stop paying your mortgage, you could lose your home and damage your credit rating. Loan Modification Plans are dependent upon mortgage company criteria and financial information gathered as part of the efforts of AFS. The information and notices contained on this website are intended as informational and should not be regarded, as financial or legal advice. AFS attempts to ensure that the material contained on the website is accurate and complete at the date first published, however you should recognize that information contained on this website may become out of date over time. Readers who have particular questions regarding real estate law, finance, or who believe they require legal counsel, should seek the advice of a financial advisor or an attorney. Submitting a contact request, gives AFS consent to contact you by telephone and/or email, even if you have previously listed yourself on any state or federal Do-Not-Call List.