Comments on: Your Loan Documents May be the Secret Key to Obtaining a Loan Modification http://loanworkout.org/2008/05/your-loan-documents-may-be-the-secret-key-to-obtaining-a-loan-modification/ - Free Mortgage, Auto and Student loan Calculators by LoanWorkout.org Wed, 28 Mar 2012 18:33:33 +0000 hourly 1 http://wordpress.org/?v=3.1.3 By: scott http://loanworkout.org/2008/05/your-loan-documents-may-be-the-secret-key-to-obtaining-a-loan-modification/#comment-30781 scott Tue, 26 Apr 2011 20:01:51 +0000 http://loanworkout.org/2008/05/20/your-loan-documents-may-be-the-secret-key-to-obtaining-a-loan-modification/#comment-30781 I'd like to discuss a mortgage loan document audit for my client. Thanks. I’d like to discuss a mortgage loan document audit for my client. Thanks.

]]> By: Angela Perlotte http://loanworkout.org/2008/05/your-loan-documents-may-be-the-secret-key-to-obtaining-a-loan-modification/#comment-30597 Angela Perlotte Fri, 15 Apr 2011 00:30:37 +0000 http://loanworkout.org/2008/05/20/your-loan-documents-may-be-the-secret-key-to-obtaining-a-loan-modification/#comment-30597 Hi, I will like to know more about loan modification and forsensic auditor, i need a qualify auditor, I have two loans (80/20) one fix the other adjusted rate both transfer to bank of american , orginally loans of first franklin financial. tried to get loan modification. were told didn't qualify needed 31 % or higher had 22% to 18.2% to low to qualify.I have a predatory loan and need help going forward. Thanks in advance Hi, I will like to know more about loan modification and forsensic auditor, i need a qualify auditor, I have two loans (80/20) one fix the other adjusted rate both transfer to bank of american , orginally loans of first franklin financial. tried to get loan modification. were told didn’t qualify needed 31 % or higher had 22% to 18.2% to low to qualify.I have a predatory loan and need help going forward. Thanks in advance

]]> By: audrey http://loanworkout.org/2008/05/your-loan-documents-may-be-the-secret-key-to-obtaining-a-loan-modification/#comment-30027 audrey Sat, 12 Mar 2011 04:55:35 +0000 http://loanworkout.org/2008/05/20/your-loan-documents-may-be-the-secret-key-to-obtaining-a-loan-modification/#comment-30027 Please tell me the name of a Florida firm which does forensic audits for free. Thanks. Please tell me the name of a Florida firm which does forensic audits for free. Thanks.

]]> By: kb http://loanworkout.org/2008/05/your-loan-documents-may-be-the-secret-key-to-obtaining-a-loan-modification/#comment-29458 kb Wed, 16 Feb 2011 23:40:58 +0000 http://loanworkout.org/2008/05/20/your-loan-documents-may-be-the-secret-key-to-obtaining-a-loan-modification/#comment-29458 Pls provide info about a genuine forensic audit firm or lawyer in D.C metro area at my email. Pls provide info about a genuine forensic audit firm or lawyer in D.C metro area at my email.

]]> By: Ron and Jan Darling http://loanworkout.org/2008/05/your-loan-documents-may-be-the-secret-key-to-obtaining-a-loan-modification/#comment-28883 Ron and Jan Darling Mon, 17 Jan 2011 20:10:03 +0000 http://loanworkout.org/2008/05/20/your-loan-documents-may-be-the-secret-key-to-obtaining-a-loan-modification/#comment-28883 Hi from Ron & Jan We have been fighting Chase for ovet 2yrs, on trying to get a loan modification Chase just gives us the run around loosing paper work loosing payments and charging us a fee to keep a loan rate at a certain point. That there is illigal Chase has lost paper work lost our first mo. trial payment sent paperwork to us that never got to out address We kept telling them our correct address ---they could not seem to get our address correct. We had to --over and over send and resend paper work becaust Chase kept loosing it. We were never able to talk to the same person twice Chase just gave us the runaround and after two and half yrs of fighting with them they finally told us that we did not get the loan modification. Now we are faced with a sale date of 02--04-2011 We dont know where to even turn at this point We DO NOT want to loose our home nor do we want to sell the home We have no where to turn Please Help Is therwe anyone or any attorney in Colorado who will help us or be willing to take on Chase for all the wrong that they did to us. Chase lost numerious paper work lost our trial payment checks--said they did not=- lost numerious copies of our paper work---Chase stated they never got it. They keep charging our loan THEIR attorney fees --which is wriong I feel It is Chase's fault they lost the original loan mod. trial payment thus putting us in foreclosure. Chase refuses to acknowlege that We as well had a scam group tell us they would help in a loan mod--come to find out also was a SCAM group!!!!!!!! It seems to us that Chase ONLY wants to take our home so they can at a later date sell it and make more money They have no intentions of giving us a loan!!!!!!!!!!!!!! They just want the homes What will Chase do when all these homes sit vacant and no money comming in Chase is so big they make their own rules just like Country Wide Bank America Chase---There all alike money hungry FAT bankers who are getting FATTER on us little inocent hard working homeowners trying to make ends meet, Thank You Ron and Jan Darling Hi from Ron & Jan
We have been fighting Chase for ovet 2yrs, on trying to get a loan modification Chase just gives us the run around loosing paper work loosing payments and charging us a fee to keep a loan rate at a certain point. That there is illigal
Chase has lost paper work lost our first mo. trial payment sent paperwork to us that never got to out address
We kept telling them our correct address —they could not seem to get our address correct.
We had to –over and over send and resend paper work becaust Chase kept loosing it. We were never able to talk to the same person twice
Chase just gave us the runaround and after two and half yrs of fighting with them they finally told us that we did not get the loan modification.
Now we are faced with a sale date of 02–04-2011
We dont know where to even turn at this point
We DO NOT want to loose our home nor do we want to sell the home
We have no where to turn Please Help
Is therwe anyone or any attorney in Colorado who will help us or be willing to take on Chase for all the wrong that they did to us.
Chase lost numerious paper work lost our trial payment checks–said they did not=- lost numerious copies of our paper work—Chase stated they never got it. They keep charging our loan THEIR attorney fees –which is wriong I feel It is Chase’s fault they lost the original loan mod. trial payment thus putting us in foreclosure. Chase refuses to acknowlege that
We as well had a scam group tell us they would help in a loan mod–come to find out also was a SCAM group!!!!!!!!
It seems to us that Chase ONLY wants to take our home so they can at a later date sell it and make more money
They have no intentions of giving us a loan!!!!!!!!!!!!!!
They just want the homes
What will Chase do when all these homes sit vacant and no money comming in
Chase is so big they make their own rules just like Country Wide Bank America Chase—There all alike money hungry FAT bankers who are getting FATTER on us little inocent hard working homeowners trying to make ends meet,
Thank You Ron and Jan Darling

]]> By: Ms. Jamie Alexander http://loanworkout.org/2008/05/your-loan-documents-may-be-the-secret-key-to-obtaining-a-loan-modification/#comment-22514 Ms. Jamie Alexander Mon, 13 Dec 2010 22:23:10 +0000 http://loanworkout.org/2008/05/20/your-loan-documents-may-be-the-secret-key-to-obtaining-a-loan-modification/#comment-22514 I did a refi on my house in July 07. Found out a year later the broker falsified my income. I put the house for sale(short sale) Tried for a year and half to sell it, no luck. Bank didn't offer much of a loan mod, so I hired a law group to do a Deed in Lieu. That was in Dec 09. They were gonna do a forensic audit first. Sent certified letter to bank but they never responded. Since Feb of '10 this law group was supposed to be working a deed in lieu for me. Now they tell me the house sold. No one's living in it. I paid 1950.00 but they didn't do forensic audit or deed in lieu. I had a time getting them to get in touch with me. I went through 5 mitigators. Am willing to pay them something, but how do I go about getting the rest of the money back? I spent all day on hold today trying to get in touch with their legal dept. No luck. Please help. Thank you P.S. I haven't lived in the house since March '10. Got out as soon as loan mod fell through. Found out about other violations as well. Shame this law firm didn't try harder to do Forensic Audit I did a refi on my house in July 07. Found out a year later the broker falsified my income. I put the house for sale(short sale) Tried for a year and half to sell it, no luck. Bank didn’t offer much of a loan mod, so I hired a law group to do a Deed in Lieu. That was in Dec 09. They were gonna do a forensic audit first. Sent certified letter to bank but they never responded. Since Feb of ’10 this law group was supposed to be working a deed in lieu for me. Now they tell me the house sold. No one’s living in it. I paid 1950.00 but they didn’t do forensic audit or deed in lieu. I had a time getting them to get in touch with me. I went through 5 mitigators. Am willing to pay them something, but how do I go about getting the rest of the money back? I spent all day on hold today trying to get in touch with their legal dept. No luck. Please help. Thank you P.S. I haven’t lived in the house since March ’10. Got out as soon as loan mod fell through. Found out about other violations as well. Shame this law firm didn’t try harder to do Forensic Audit

]]> By: Dawn http://loanworkout.org/2008/05/your-loan-documents-may-be-the-secret-key-to-obtaining-a-loan-modification/#comment-21944 Dawn Mon, 18 Oct 2010 19:33:19 +0000 http://loanworkout.org/2008/05/20/your-loan-documents-may-be-the-secret-key-to-obtaining-a-loan-modification/#comment-21944 This is for Gerald Hughes- Mr Hughes, Have you tried going through the organization NACA? Everything you mentioned happening to you happened to me as well. Lost paperwork, no communication, etc. It's ridiculous and stressful. You will have to do the paperwork again with NACA but their services have helped tons of people and there are no costs. You can begin the process on their website and read about who they are and what they do. naca.com Good Luck!! This is for Gerald Hughes-
Mr Hughes,
Have you tried going through the organization NACA? Everything you mentioned happening to you happened to me as well. Lost paperwork, no communication, etc. It’s ridiculous and stressful. You will have to do the paperwork again with NACA but their services have helped tons of people and there are no costs. You can begin the process on their website and read about who they are and what they do.
naca.com
Good Luck!!

]]> By: Gerald Hughes http://loanworkout.org/2008/05/your-loan-documents-may-be-the-secret-key-to-obtaining-a-loan-modification/#comment-21929 Gerald Hughes Sat, 16 Oct 2010 17:54:29 +0000 http://loanworkout.org/2008/05/20/your-loan-documents-may-be-the-secret-key-to-obtaining-a-loan-modification/#comment-21929 We were behind by two months on our mortgage and then we sent in a payment a few days late and added$50 for a late fee. The late fee ended up being $100 so they wouldn't credit our payment to our account. THey cashed the check with the bank but wouldn't credit it to our account. Our next payment, the following month, included the extra needed to get up caught up. They cashed the check with the bank and filed for foreclosure the same day. They not only did not credit the payment to our account they lost it. We provided the documentation from the bank showing that they had cashed the check. THey wouldn't acknowledge it. In fact they added penalties and fees and attorney fees, etc. and proceeded with the foreclosure. We filed for bankruptcy to stop the sale of the house and then they agreed to let us apply for a modification. We applied and filled out several copies of the same paperwork over and over because they kept losing it. Finally we took it down to an office and had them sign that they had received it. THen they proceeded with the modification, we qualified, they signed off on all our paperwork and said we had entered a trial period for the modification and would receive new laon documents in 6 months. Meanwhile, the lady that had signed off our paperwork was moved to a different department and our loan went 5 months without a representative. We know this because we kept calling to see how everything was going. On September 30th they wrote us a letter (that wasn't mailed until October) telling us that our modification had expired because we had not turned in all our paperwork (which we had). So now they won't accept any more mortgage payments and we have to reapply for a modification or they will proceed with another foreclosure. We did everything they asked of us and because they can't keep track of their paperwork or follow through with their jobs they want to take our house again or make us jump through hoops to keep it. All while accrewing more fees that weren't all fault anyway. THey did eventually credit the two payments to our accuont that we made but they refused to adjust the fees and penalties even though they were the ones that messed up in their paperwork. We paid a company called "Certified Mortgage Audit" $200 to audit our paperwork but it ended up being a scam. They took our money and dropped off the face of the earth. What kind of attorney can we find in CA to talk to about this? We think we have a good case and at least an attorney should ba able to see if they violated any laws. What kind of attorney do we hire? Real Estate Attorney or what? THank you for your help. We were behind by two months on our mortgage and then we sent in a payment a few days late and added$50 for a late fee. The late fee ended up being $100 so they wouldn’t credit our payment to our account. THey cashed the check with the bank but wouldn’t credit it to our account. Our next payment, the following month, included the extra needed to get up caught up. They cashed the check with the bank and filed for foreclosure the same day. They not only did not credit the payment to our account they lost it. We provided the documentation from the bank showing that they had cashed the check. THey wouldn’t acknowledge it. In fact they added penalties and fees and attorney fees, etc. and proceeded with the foreclosure. We filed for bankruptcy to stop the sale of the house and then they agreed to let us apply for a modification. We applied and filled out several copies of the same paperwork over and over because they kept losing it. Finally we took it down to an office and had them sign that they had received it. THen they proceeded with the modification, we qualified, they signed off on all our paperwork and said we had entered a trial period for the modification and would receive new laon documents in 6 months. Meanwhile, the lady that had signed off our paperwork was moved to a different department and our loan went 5 months without a representative. We know this because we kept calling to see how everything was going. On September 30th they wrote us a letter (that wasn’t mailed until October) telling us that our modification had expired because we had not turned in all our paperwork (which we had). So now they won’t accept any more mortgage payments and we have to reapply for a modification or they will proceed with another foreclosure. We did everything they asked of us and because they can’t keep track of their paperwork or follow through with their jobs they want to take our house again or make us jump through hoops to keep it. All while accrewing more fees that weren’t all fault anyway. THey did eventually credit the two payments to our accuont that we made but they refused to adjust the fees and penalties even though they were the ones that messed up in their paperwork. We paid a company called “Certified Mortgage Audit” $200 to audit our paperwork but it ended up being a scam. They took our money and dropped off the face of the earth. What kind of attorney can we find in CA to talk to about this? We think we have a good case and at least an attorney should ba able to see if they violated any laws. What kind of attorney do we hire? Real Estate Attorney or what? THank you for your help.

]]> By: JP http://loanworkout.org/2008/05/your-loan-documents-may-be-the-secret-key-to-obtaining-a-loan-modification/#comment-21150 JP Sat, 03 Jul 2010 22:50:19 +0000 http://loanworkout.org/2008/05/20/your-loan-documents-may-be-the-secret-key-to-obtaining-a-loan-modification/#comment-21150 It's amazing how many people are in need of this type of info. You have to self educate on this whole modification process to keep your house. Thank you for helping the public with your knowledge. That being said...I have been trying to get a loan modification since early 2009 w/ Wells Fargo (Texas). They have offered a forebarence and a modification but will not give me the details until I have sent them $4, 000. I would like to speak to someone that know this process and could assist me with negotiating the terms. Any ideas on who I could turn to? JP It’s amazing how many people are in need of this type of info. You have to self educate on this whole modification process to keep your house. Thank you for helping the public with your knowledge.

That being said…I have been trying to get a loan modification since early 2009 w/ Wells Fargo (Texas). They have offered a forebarence and a modification but will not give me the details until I have sent them $4, 000. I would like to speak to someone that know this process and could assist me with negotiating the terms.
Any ideas on who I could turn to?
JP

]]> By: larry walker http://loanworkout.org/2008/05/your-loan-documents-may-be-the-secret-key-to-obtaining-a-loan-modification/#comment-21130 larry walker Thu, 01 Jul 2010 17:10:54 +0000 http://loanworkout.org/2008/05/20/your-loan-documents-may-be-the-secret-key-to-obtaining-a-loan-modification/#comment-21130 i am looking for a forensic loan audit company who can and will do a audit of my loan in the state of missouri, my loan was in 2006 with american brokers conduit and american home mortgage group, through the premier mortgage funding firm, and the agent was the american title solutions firm, title search was by chicago title insurance, however most of the above firms are now in chapter 11 bankruptcy and have since turned our note over to a 3rd party called ahmsi, or american home mortgage servicing inc. (a debt collecting company) we have been requesting copies of all documents for the past 4 years and we are still waiting, i need to know how many laws have been violated, and what my options are, call me at 417 833-3358 we live in springfield, mo., thanks i am looking for a forensic loan audit company who can and will do a audit of my loan in the state of missouri, my loan was in 2006 with american brokers conduit and american home mortgage group, through the premier mortgage funding firm, and the agent was the american title solutions firm, title search was by chicago title insurance, however most of the above firms are now in chapter 11 bankruptcy and have since turned our note over to a 3rd party called ahmsi, or american home mortgage servicing inc. (a debt collecting company) we have been requesting copies of all documents for the past 4 years and we are still waiting, i need to know how many laws have been violated, and what my options are, call me at 417 833-3358 we live in springfield, mo., thanks

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