As many of my readers know, I am not a lender basher or a lender implode blogger. I report on the facts in regards to what lenders are doing to help homeowners who are facing foreclosure and their loss mitigation efforts.
A press release that was trumped up by Countrywide PR officials claimed that they modified 25,000 mortgages and were planning to modify another 7,000 before the years end. When the press release came out. I was like what the hell is 35,000 mortgages out of a half a million that are delinquent? That’s nothing! A drop in the the over flowing bucket of foreclosures.
I just read a great article from Gretchen Morgenson of the New York Times that confirms everything I have thought and have bloged about. Here are some excerpts:
“Countrywide is trying to say they are doing workouts, but they are doing them with as little financial sacrifice for the company and as little effort as they can,” said Senator Charles E. Schumer, Democrat of New York and a member of the Senate Committee on Banking, Housing and Urban Affairs. “They are trying to get away with doing a good job here when you can prove by digging even a half an inch deeper that they’re not.”
Countrywide strongly disagrees. Last week, it described its efforts on behalf of troubled homeowners. “Our No. 1 priority is to help borrowers stay in their homes,” said Steve Bailey, a Countrywide executive, in a news release. The company said it has saved 39,582 mortgages from foreclosure so far this year.
But according to Countrywide’s own data, it currently services almost nine million mortgages, with a value of $1.45 trillion. Of those, roughly 450,000 are delinquent. So providing home preservation assistance on the 39,582 loans amounts to just 8.8 percent of Countrywide borrowers who have fallen behind.
“When you look under the surface, they are counting deeds-in-lieu as a modification,” said Martin Eakes, chief executive of the Center for Responsible Lending, a nonprofit and nonpartisan research organization. “When you’ve taken someone’s house, even without the foreclosure process, to count that as a modification is worse than fiction.”
Mark Seifert, executive director of Empowering and Strengthening Ohio’s People, a consumer advocacy group in Cleveland, is dubious. He said his experience with Countrywide, one of the dozen or so lenders and servicers with whom he works on behalf of borrowers, has been unsatisfactory.
For the first eight months of this year, he said, his group took in 132 cases in which Countrywide was the loan servicer. Of those, two ended up in what he called “very good” workouts from the company. One involved forged documents when the original loan was made, Mr. Seifert said, and the other involved a borrower who received her deal from Countrywide the day before she was set to testify before Congress last July about her problems with the company.
“We have experience with Citi, Chase and a whole litany of other lenders,” Mr. Seifert said. “Some are better than others, but we are successful more than half the time with all of them. Except Countrywide.”
I knew the PR release by Countrywide was just a media ploy because I get reader and emails like this daily form my readers:
9/10/2007 9:50 AM MH wrote:
I agree about Countrywide HOPE department. I am going through a separation and prior to that my husband took over paying the mortgage. We are two months behind. I have taken over making payments but I am short on Sept. payment. I called the HOPE department to see is there anything I could do to catch up because I need my home. I have a son and I am 5 months pregnant. The first time I called the man was so rude and just didn’t seem to care. The second time it was a different man but he was also rude. He asked me why did the mortgage get behind last June 2006. I tried to explain that my husband took over paying the bills but if they checked our records prior to June 2006 when I was making the payments our mortgage was never late. The man didn’t seem to care. He kept asking me but why and how did he get behind. I didn’t understand what answer he wanted from me. I told him that it was just too many obligations for him to handle that still was not good enough. Finally, after 30 mins of him drilling me I told him as I was in tears I will call back. I need this loan modification but I don’t understand what information they need or what they want me to say. Someone please help me.
9/29/2007 6:20 PM caroll mendez wrote:
yes my income went down but most important is that my payment went up 1000 dollars, my income went down in Nov 06 but I was still able to make my payments until my payment went up in june 07 then I could not make the payment, I tried contacting country wide several times back in march, but to no avail they said that I had to missed 3 payments before they could look into it, so I am still waiting for them to modify my payment?? actually I talked to them again today and they said that they would contact me in 3 to 4 weeks
9/29/2007 8:51 AM caroll mendez wrote:
I have been asking countrywide for help also and all that i get is please submit via fax you par stubs, income tax return and a letter why i have fallen behind, i have an ARM and my payment went up 1000 dollars i am 4 months behind and all that i get is a letter saying that the request was denied and that it seems that i can not afford the payment increase ???? daaa that is why i need a modification
9/5/2007 6:19 PM Liz wrote:
I have also contacted countrywide to help me modify my payment and was turned down because we were too far negative in income to expense.I’m not asking them to forgive my loan, i am just asking that they help me get through this “bad loan” that we thought was heaven sent at the time. Our plan was to refinance after the two year arm, but our credit score was less than perfect and we couldn’t refinance and now we have gone through 22,000 in the past 6 months to keep the homes we purchased two years ago. Countrywide has not worked with me at all, also advising me to do a short sale or foreclose. they are just interested in their own pockets.
also, hopeless in California
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Re: Countrywide Does Not Want to Give You a Loan Modification!
I have a Countrywide ARM mortgage that has neg am and it was sold to me by a mortgage broker that did not fully explain what it was. I take responsibility for not asking more pointed questions and getting a truth in lending statement which until now I did not know I was entitled to receiving in 3 business days (hindsight is 20/20) but I was a fool and trusted the professional specialists, the realtor and the broker. What I fool I was!!!! (I am kicking myself and so mad at myself I cannot tell you how upset I am) I knew once I was sent the final schedule of payments after all was signed and done, where I discovered how the neg am ARM REALLY worked, that I knew we had made a HUGE mistake. I have $34K prepayment penalty for the 1st year and it has been a long year waiting to refinance, except now I cannot refinance as when we bought the triplex, we learned while in escrow ($25K put down from savings and $107K put down from the sale of our townhouse) that the triplex loan would not be approved because it was legally only supposed to be a duplex. We had sellers who were threatening to sue us and keep the money we put down if we didn’t perform. So the lender said they would loan us the money but req’d us to put another 10 percent down, which our realtor and broker loaned to us, but doctored a fake gift letter. I think I have a case of fraud here by the broker, I may want to figure out how to sue him, but my main focus right now is to get out of this toxic loan. Now that the year is almost up (Dec 21, 2007) I am trying to refinance, BUT bc the property is not technically a triplex, but a duplex, the companies I am trying to refinance with say that is a problem. So now I can’t refinance and the neg am is stripping our equity!!! this is a ticking time bomb and I tried calling Countrywide who offered to refi me into another ARM that caps at 13.75% which I said no way to. I found out about this non-profit organization called NACA www.naca.com, they have a homesave program. They just started doing refinance modifications, they represent homeowners who need help. I am going to try them and see if I can do something soon before it gets out of hand.
How much longer are we going to just stand by and watch the new ENRON lawlessly and recklessly stick their middle finger in our faces as they send out bogus press releases and slip money in the politicians pockets? |
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Thanks for the info. It is a lot of work that you are doing.
Thanks for saying thanks. Yes, lots of work but well worth the effort.
Moe,
FYI
Countrywide has something called the HOPE TEAM which they have review each case. Do not talk to customer service when you call otherwise they will try to talk you into refinancing. Please clear you want to talk to someone in LOSS MITIGATION.
Thanks for all YOU are doing to help.
What is Countrywides HOPE TEAMS phone number? I have been trying to get thought to the and have been unable to.
Titanium Solutions contacted me at Countrywide’s request. Titanium helps “Educate Homeowners on options to avoid foreclosure” and helps “Mortgage Servicers regain communication with their Homeowners to find agreeable alternatives to foreclosure…The assistance and services of Titanium Solutions are provided to homeowners at no cost.” Last week, I submitted the financial info form, a hardship letter, and bank statements to their representative who came to the house (mostly to evaluate selling price, I imagine).
The Titanium paperwork listed Countrywide’s Loan Workout Department number as 877-744-7691. I called that number today and was able to verify my loan modification request was received, complete and being reviewed by a negotiator which can take 7-14 days.
CW sent a letter a few days ago asking me to contact their lawyer for my loan reinstatement amount. The law firm did not know if my modification request had been received or if it was being considered but they did give me a reinstatement amount valid through October 15th. (Their website at http://www.goldbeck.net/HomeRetention.htm does offer loan workout forms which they forward to lenders, though.)
Anyway, I do have concerns about how the modification request will be handled (in light of a fairly unique financial situation) and because the 14 day mark is three days before my reinstatement offer end date. The CW rep assured me the house would not go into foreclosure if negotiations were not complete by the 15th but I would just have a new reinstatement amount. I seem to recall entries on various consumer sites indicating a different outcome when a reinstatement deadline was missed. I’m not sure if my chances of being approved are high enough to risk it since the CW rep said she could not send me an email or any written verification that the application was in review or other details of our call.
I didn’t intend to go into this much detail so feel free to move the entry to a different thread if appropriate. My original intent was simply to confirm a valid contact number for the Countrywide Loan Workout Department. Guess I went into the long story since I am concerned about the outcome.
Moe, during the last month, I remember reading posts where you offered to look through paperwork and give your opinions. I don’t know if your schedule still allows time to review individual loan modification forms. If so, I’d appreciate your advice.
It is very likely that you will be charged a small fortune for the “workout” services. Make sure you get a life of loan history so you know what is jammed into your “workout” loan balance.
The number I have is 888-453-3102
Thank you I think this is a great thing that you are doing.
Your most welcome! I appreciate that.
This is great! Thanks for all the information and the number. I will add it to my list. Who is the Titanium Group? Are they affiliated with the Goldbeck Law Firm?
Do you want me to take a look at your offer or just what you sent in? I will do whatever I can to help. I am not doing loan modifications but I can assist you and coach you.
Let me know!
Thanks – Moe
Thanks for the tip. I really appreciate that and will add it to my list of tips
. Anymore tips and tools?
Thanks for the information. This is very helpful. I talked to someone at CW and they gave me a fax number to send a hardship letter to. I haven’t heard back from anyone at CW.
You’re welcome. Glad I could be of service to you. Please let us know what happens. I am especially interested about Countrywide. Thanks!
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Moe, this is a great site and very much needed. YOur list of loss mitigators is as you know lending company names. There are specialists who’s main job is to help people stop losing their homes to foreclosure and who have the expertise and knowledge to work with lenders on the homeowners side.
As in any industry, there are scoundrels, but, many of us are not. I have personal family experience with the homeowner’s side and do this to truly help make a difference.
Please tell your readers that often times lenders act on their own behalf and not the best for the horrower.
Find a loss mitigation expert who offers a refund if the workout is not successful. It takes a lot of time and followup to close a workout or loan modification. And lenders are often not the most agreeable, lender mediators help in this process.
Sure borrowers can do this themselves, and they can also pull their own teeth, but why? Let experts do the work, they really can help. Google loss mitigation or lender mediator. Ask how long they have been doing this, what states do they work in, what types of workout plans do they use most, is the fee refundable, do they offer a guarantee? Then choose the one you feel confident will do the best job. Also check with the online BBB to ensure they don’t have complaints.
Thanks! Please tell me more about what you do and how successful you are in doing this. My experience and research shows that lenders are not modifying loans. How long have you been in business? What do you charge?
Household Mortgage -(Is now called HSBC Mortgage Services) (800) 365-6730
HSBC Mortgage Corp.(there is a difference between Mortgage Services and Corp. placed new number) (800) 338-6441
Default Resolution Team (if long term problem)
2929 Walden Avenue
Depew, NY 14043
(888) 648-3124 Loss Mit
(732) 352-7519 Fax
Web:http://us.hsbc.com/personal/mortgage
Thanks for the contribution.
Hey Moe – I just stumbled across this blog. It is awesome! I was in subprime lending for over 8 years and recently tried to step out because of the fact of not being able to help anyone- I was tired of the negativity. I recently through the loss mitigator “hat” into the ring, and am really looking forward to being able save these drowning people. I am glad I came across this page – it is very informative. Have you received a reply yet as to how much this guy is charging and any other information? I want to be as fair as possible in what I have to offer, from what I am told it is equivelent to a house payment as to what you make on a case… ? I am going to make this my new home page! Keep up the great work – very informative
Thanks!
The word on the street is that for-profits charge anywhere from $1500 or your mortgage payment what ever is greater. I would look up the foreclosure consultant act in your state and make sure you comply with all laws in regards to this. Just be careful and take care of people. You also should have some kind of refund policy.
Good luck!
I’m going to do my best to make this a win win. I want to “feel” good doing this – knowing that I am helping others and helping to make a quality of life for them. Of course- I do want to make money as well, but it sure would be a change to have it be a positive experience… I am going to look into the foreclosure consultant act, and think that I am going to do something similar to the money back guarantee, if not maybe them paying till it is resolved – I am still fishing that one out…Thanks for the great info – love this site!
Cool. You may also look into starting a non-profit. There is a huge need for them right now. Network locally.
Best of luck and stay positive!
The comment about the cost of loss mit being a house payment is old school, although in some areas, that may be the case. Charges for loss mitigation can be from $795 to $1500 with an average of $1200. We charge $500 up front which is guaranteed to provide a workable solution or money back, then when we are successful with the solution (95% of the time), we backend charge $800 for a total of $1300. I am with a company that has been in business for over 8 years. Our success rate is 95%. More loan modifications are beginning to be completed especially since lenders don’t want the house, they want the interest on the loan as their main revenue source.
Please don’t turn this blog into a place where bottom feeders engage in price fixing for illegal debt relief/reorganization services.
IT WILL NEVER, EVER HAPPEN IN A MILLION YEARS APRIL! I PROMISE.
I am no expert on for profit loss mitigation. I just was answering a question from a nice guy who is trying to get in the business. I don’t condone for profit nor am I against it 100%. I just have yet to run across and legit for profits.
So, old school or new school, I don’t care. It’s all relative. So you charge $500 up front? What state are you in and what states do you charge this up front fee in?
You are successful 95% of the time. WOW, that is unbelieveable, literally. Especially when only 1% of loans are being modified.
Lenders do not want the house? OK, what do servicers want since on 75% of the loans made are being services by someone other than the lender? They want to just roll over and make loan modifications? I beg to differ on that.
I am looking for help in organizing a great organization. certainly not a bottom feeder, and hope you didn’t imply that- there are actually good people out there without thinking negatively
I think in “response” to your question to the other person stating that the lenders want to restructure rather than get the house – it is because they can’t have too many bad loans on their records, otherwise that lessens the amount they can borrow from the fed – if they have all these loans gone bad – it says they have practiced in the wrong, and why would the fed endorse that?
Jeanne – do you mind me asking which company you are with?
Chase Home Financial Loss Mitigation (if call
Main switchboard: 800-548-7912.
Loss Mitigation: 877-838-1882 ext 52195.
Number they gave me after taking my loan number: 866-665-7629 Business hours M-TH 11AM-8PM, F 8AM-12PM.
Once you are going through the loss mitigation process – is there a software that you would use, or certain docs we would need to have access to to complete the loss mitigation process? for instance disclosures or compliance docs? I mean I have Calyx Point – but am wondering if this would be like structuring a whole new loan – which I am assuming if we are modifying the loan – but I am wondering where / who the docs come from- the lender / counselor? weird question?
I am a legal aid lawyer defending foreclosures in Jax. This loan restructuring is still a total state of confusion and it takes all the energy and effort of my office to cut to the quick and get these loans worked out. However you have to have a lawyer to determine legal vs. bogus debt and to make sure that rescission and other borrower rights are not glossed over or missed. The not for profit profile is the way to go. There are many organizations out there in every community that could access funding and hire a staff attorney and homeownership preservation/foreclosure prevention case managers. Don’t call them counselors. Leave the legal advice and counseling to lawyers. Staff attorneys are not expensive. It is shameful that the housing counseling industry is so polluted. We need to set nationwide industry standards that includes the lawyer layer.
Hi April – question – what are your thoughts then on the fact that i am a paralegal, that has been in mortgages for 8+ years? do you think that is enough? or still the way to go would be to hire an attorney?
Organize a non-profit like April mentioned. Many people need serious legal advice and that is what the non-profit housing industry is seriously lacking. I realized that a long time ago. But I am not in charge and it seems like many non-profits are not united.
Do not do this for profit.
They don’t borrow money from the Fed. It is packaged and sold in the form of mortgage bonds and then sold in pools to investors (unless. If they have to many loan modifications and short sales then they will have to report this to investors as losses. If they foreclose, they do not have to show a loss till that property is sold and off the books. So it seems many lenders are foreclosing to appease investors and not cause a panic on Wall Street.
Not a weird question. There needs to be one but there is not. Restructuring a loan is done by them. You can input figures in Point by changing the rate, term etc and see where the homeowner needs to be for the loan to be affordable.
I 110% wholeheartedly agree with you on this April. I would love to speak with you about this and can use your guidance. I have tried calling you a few times but it’s pretty tough to get through. lol
I work with attorneys as an IC/Mortgage Expert because as you know, many attorneys do not understand the mortgage aspects of the business. There is a huge need just to service the victims of predatory lending. But all focus is being placed on just funding for HUD counselors (which I feel is needed) when there should be large funding support for a firm such as yours and there needs to be one on every major county in America.
Is your firm doing anything on this front or is this your views and a cause your are looking to pursue individually?
I can tell that it has totally exhausted you.. I think I am going to look into it in my community as I know there are so many in need – almost every corner it seems. thanks for your advice
Gee, thanks for the big slam on my profession. I thought this would be a good informative site, but, I see you are just biased as to your single purpose (whatever that is) and others are snot. I work very hard for my clients and make an honest living so you are off my list of resources. Glad it was an early lesson and I didn’t absorb too much negative energy from this site. Bye
Jeanne – I don’t think I slammed you did I? I am actually probably in the same boat as you.. I am trying to practice loss mitigation and am trying to find as honest of help as I can… the better informed we are – the less damage is done for everyone. I kind of felt slammed as well. referred to as a bottom feeder didn’t feel real good – as I am just wanting to know what the honest way to help these people – I do appreciate your advice earlier – thanks. there is another site that I have been getting a lot of real helpful resources and pointers from if you’d like. thanks again for sharing – I had thought this was a good stop for me too- but may not be what it was intended for me.
JoDee
I worked for New Century as a review appraiser, and I have been looking into Loss Mitigation as a business for the last 2 months. Obtaining loss mitigation training from Fannie Mae, Freddie Mac, or HUD is limited to employees of lenders, servicers, and non profits. Forming a non profit appears to be the way to go. The lenders pay for the workouts, and you also qualify for grants to cover operational expenses. Most of the lenders want to go from stated to full doc. Check out the California Dept of Corporations – Financial Services (licenses all lenders and servicers) Release No. 61-FS, dated September 5, 2007.
I agree with you almost 100%. Loss Mitigation literature makes reference to non profit “housing counselors”, but the potential client must be informed upon the initial contact that the “counselor’s” advice does not constitute and is not a substitute for legal advice.
thanks a ton Clyde. There are a few firms I have researched that seem to be pretty legit and honest but I understand you totally about the fact that you have done some pretty big research – as have I. I never really considered it until I had an attorney that knew of my legal schooling combined with my mortgage experience say to me this past august that it would be a great opportunity. I was scratching my head till then…
This wasn’t a big slam on for profits. There are some good ones but a majority are crap. Plain and simple. If your firm is great then tell me why please.
My single purpose is to help homeowners by giving them free information and the tools to do it themselves or to get educated on how it all works. There was a need BIG TIME on the internet for this, so I filled it.
I work with lawyers and we do predatory lending cases. We network with for profits and non profits and help people save their home using federal laws such as the Truth in Lending Act (TILA). Many for profits and non profits are not properly serving some of these homeowners and actually doing them a disservice by not being properly educated on predatory lending laws.
My thoughts are that anyone who is doing this and does not have legal counsel on board is doing this business a disservice. Too many people are losing their homes when they could have been saved by and experienced mortgage law attorney.
Yes and any non profit should have like April says, legal counsel on board to handle many of these cases.
any ideas on how to begin to open up a non profit loss mitigation business?
Stay tuned.
Most legal aid/service providers should be able to assist you with this process and/or should be able to refer you to a private attorney who can assist you pro bono with this effort.
Countrywide is the scum of the earth and I don’t believe a da*m word they say. We got ourselves out of foreclosure last February paying over $6,000. Just the other day we got a letter from Countrywide telling us we owe them over $600 for additional lawyer fees regarding our foreclosure. I call them and they tell me to call the lawyers office. I call the lawyers office who tell me they did NOT charge any additional fees and per our written foreclosure agreement we were paid up and taken care of. So now trying to get the morons at Countrywide to listen and remove the lates off our account not to mention our credit reports is going to take an act of God not to mention an attorney. I’m going to have to contact our attorney to try and intervene since Countrywide REFUSES to help. All I hear is we’ll turn it over to the shift manager…whatever morons. I’m seriously so done with Countrywide I could just scream. I hope they get whats coming to them and that the feds do something with this corrupted group. My rant is over for now…:)
Thanks for the rant and please come back and rant anytime.
I have been known to do that on occasion.
It seemed as if Countrywide was doing all they could to keep their REO’s in CA,below the 3,000 mark (probably playing with the numbers), now that it is over that mark it
seems to be constantly on the upward move(3201). So much for their Work Out Dept. That Dept. is a scam in itself. Countrywide makes vampires look like blood donors.
Yes, they make the Gambino crime family look like punks
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krimutinok 66 post
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All insight on this is helpful. Particularly the phone #s and contact help. It is hard enuff to get thru this without having a foreclosure via snail mail. This country is falling apart quickly. Which candidates will really help us and not be all BS???!!!
I am close to foreclosure and cant get a human being to talk to me thru WAMU. If anyone has insight re WAMU, pleae share. Thanks for all the help on this site.
Karen,
WAMU has a loss mitigation department. When you call, you should ask for WAMU workout package sent to you. It would take 5 to 7 days when your workout package is received and a mitigation specialist will be assigned to you.
When you said you are close to foreclosure, does it mean that you have received a Trustee Sale Date?
Thanks everyone!
I am looking for phone numbers for Litton Loan Servicing other than the ones listed on this site. When my husband tried to speak with someone from the Loss Mitigation Department, he was told that there are no incoming phone lines to that department. He asked that they call him then, but was told that they would only communicate with him through the mail. We tried every number we could find and were always told the same thing. Shortly after our repeated phone calls, a man was in front of our home taking pictures. My husband called out to him to ask what he was doing. He handed my husband a real estate agent’s card and told him to call the number and the agent could help us out. My husband called the number and the agent said he was a representative from Titanium Solutions, who Litton uses to help process loan modifications. We were optimistic that our impending foreclosure could be prevented and scheduled a time to speak with the agent, who told us that he would contact Litton’s Loss Mitigation Department and we could have a three-way call to discuss our options. We immediately knew for sure that something was up, and it was not just our imagination, since this real estate agent obviously had a number for loss mitigation when were told more than once that there was none. We had the three-way phone call as scheduled and their loan modification “offer” was really no offer at all. We asked if we could please try and discuss some of the terms of the offer and we got a rude “no, this is what you get – take it or leave it” attitude. My husband asked to speak with someone who has the authority to negotiate the offer and was told there was no one else, and again to take the “offer” or not. Litton hung up and my husband questioned the real estate agent about what had just taken place, and he said he didn’t know what was going on since Litton had negotiated terms with others in the past through him. He told us there was nothing else he could do to help us unless we wanted to sell our home, and we hung up. We have explained to Litton that this is our home and we want to do everything possible to try and stay here. However, they seem to just want us to walk away and let them have it back. They even offered, in a note through the mail, to give us money if we would agree to move out. We are parents with six children (and their pets) and finding a place to move to is no easy task, even if we wanted to move. We have told Litton that we fell behind due to my oldest daughter’s sudden medical condition, which has resulted in her being hospitalized (once in pediatric ICU) five separate times. We tried to keep up with the mortgage payments, but the costs of doctor visits, medication, and hospitalization have put us behind. Thankfully she is now doing much better, and we have let Litton know that we would like to bring our account current, but we need their help. If anyone has a way to reach someone at Litton Loss Mitigation directly who actually has the authority to discuss working something out with us, please let me know. Thank you for your time.
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The Loss Mitigation Department for Homecomings Financial is (800)850-4622 option 5 extension 2365442
Hi Moe love your site! I am a realtor in Illinois and am really busy running shortsales and helping some of my clients with Mods. For those who want to charge distressed homeowners for these services in Illinois, its illegal, Check Lisa Madigans law efective January 2007-Mortgage Fraud Act. I get paid for running shortsales by the lenders if I can take them to closing. My modification cases are a labor of love–no pay–outside of knowing I helped a family. Well I should never say I don’t get paid because those families refer me to everyone and their cousin and even in this market I have constant work;)
Does anyone have a fax number for option one loss mitigation? Please advise.
Thanks so much Rosa!
Option One Loss Mitigation Fax
866-669-3671
Make sure you put loan numner on every document you fax.
Does any one know the fax number To Washington Mutuals Loss Mitigation.They provided one but but seems not to be a fax number. They gave me 904-886-5529. Thanks
Moe,
How do I request a life of the loan from my bank. I believe you mentioned this on your website. I have an option arm, with Homecommings, I applied to modify, the loan, becuase i was four months late, they agreed to modify after I started paying again, they told me to pay my reqular payment for three months. At the end of the three months, they would consider a loan modification. Well now it looks like they sold the loan to Aurora Servicing? What’s up with that, any thoughts? Please help!
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We’re a loan modification specialist. We have an attorney that handles all the legal intricacies of loan modification and we guarantee our services. The money is held in a trust account until the modification is approved. If we don’t get your lender to offer you a loan modification we’ll refund your money. If there is anything I can help you with please give me a
call 866-876-1400 ask for Johnny in Loan Modification