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Financial Fraud Law

‘Flip This House’: Investor Speculation A Big Cause Of The Housing Bubble, Report Says

 The recent financial crisis—the worst in 80 years—had its origins in the enormous increase and subsequent collapse in housing prices during the 2000s. While the housing bubble has been the subject of intense public debate and research, no single answer has emerged to explain why prices rose so fast and fell so precipitously. Now, however, the New York Fed is suggesting in a new study that real estate “investors”—borrowers who used financial leverage in the form of mortgage credit to purchase multiple residential properties—played a previously unrecognized, but very important, role. These investors likely helped push prices up during 2004-06; but when prices turned down in early 2006, they defaulted in large numbers and thereby contributed importantly to the intensity of the housing cycle’s downward leg. 

The report reveal some astonishing facts. At the peak of the boom in 2006, over a third of all U.S. home purchase lending was made to people who already owned at least one house. In the four states with the most pronounced housing cycles, the investor share was nearly half—45 percent. Investor shares roughly doubled between 2000 and 2006. While some of these loans went to borrowers with “just” two homes, the increase in percentage terms is largest among those owning three or more properties. In 2006, Arizona, California, Florida, and Nevada investors owning three or more properties were responsible for nearly 20 percent of originations, almost triple their share in 2000.

The authors of the report conclude that investors “were much more important in the housing boom and bust during the 2000s than previously thought.” They say that the availability of low- and no-down-payment mortgages in the nonprime sector “enabled investors to make these bets. This may have allowed the bubble to inflate further, which caused millions of owner-occupants to pay more if they wanted to buy a home for their family. In the end, even the value of the 20 percent down-payments made by responsible, prime borrowers was wiped out—leaving the housing market, and the economy, in the vulnerable state we find them in today.”


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    I totally hear you Claire, I have needed some inspiration lately, it always gets repetitive if I am not careful ) Mindy Crary recently posted..How You Can Save Money On Food

    Thank you Pearl! I have all sorts of condiments that I'm scared to open, so I can relate ) Mindy Crary recently posted..How You Can Save Money On Food

    Hey Kristy! I don't believe I have a post about that, because everything gets easier once you're marriedyou automatically get legal financial and health rights over your spouse, and taxes are one return instead of two. You can email me at mindy at creativemoney dot biz if you want to get into more detail... Mindy Crary recently posted..How To Merge Accounts For Unmarried Couples

    Whew, this is an interesting one for me Mindy, as my man I have co-habitated for a year and a half now but don't YET share money in a formal way (i.e. with shared accounts).

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    Mindy, I just came across a site called LearnVest, a financial planning tool . Are you familiar with it? I signed up, bit have not yet explored the site as I'm tired and time to go to bed. Just wondering of you were familiar with it, and f so, what your thoughts were. I always value your opinions and suggestions! Gotta trust a fellow "cat lady"! Thanks! ~Sue

    Hey Sue! I know some people who signed up for the free version of Learnvest to get the budgeting software, but no one has maintained it long enough for me to get feedback. They also have monthly pay options if you want to work with a planner like me. Hey, I should do that ) Mindy Crary recently posted..A simple 3-step process to get out of your head and make better decisions

    Thanks Mindy. I just signed up for the free version for now Once I have time to explore it further, I'll let you know my feedback.

    I aspire to use my money to amplify my commitment and connectedness to the things I most believe in.

    Thanks so much for posting this, because so many people have issues with the same thing! And the answer is SO much longer than just a reply ) I think bottom line, it's about confirming your trust that this situation is temporary, and finding the balance during a time when you have limited funds. And it's finding the juiciness in life that doesn't require a lot of money too. When I have struggled, I made a point to look for it every day.

    Wow, you wrote a whole post based on what I asked! That makes me feel really cared for, amazing. And it's a great post, too, thanks so much for that!

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    1. It would be helpful for me in my role as a financial educator  to have available visual schematics of how typical electronic transactions occur  and then show how and where extra fees can be added  and where there are places where abuses can occur. With the federal government moving to complete electronic disbursement of federal and state benefits  and the development of products targeting low income and poorly educated and elderly  it would be helpful to have simple visual graphs. 2. The use of graphics would also be important as federal and state begin to insist on direct deposit / prepaid cards / debit cards for disbursement of tax returns.

    Here's a little trap I hadn't heard of before, though I'm sure it is in the fine print somewhere. I was leaving Costa Rica on Feb. 5, 2011 and paid their "airport/tourism tax" of $26.50 at then current exchange rates with my Bank of America Upromise Mastercard  only for convenience. A "cash advance fee" of $10 was unexpectedly added to the transaction three days later (along with the customary 3% they usually charge retailers on sales and services)for a total charge $34.35) which I expected.

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    What a great opportunity for the environment and the Twin Cities area! Concrete is a valuable material that shouldn't be underestimated or left to go to waste  how great that the same aggregate machinery that made the concrete in the first place can be used to crush it down and give it a second life!

    We are losing our home, but we would not approve of our city mandating a price to the lender or threatening them with eminent domain. That's just wrong. That's bullying.

    In your article you state"The 2012 report ranked Minnesota as 17th in the nation, with the index showing employers paying $2.03 per $100 of payroll into the system." This is great and it is important for the person paying in to know that Minnesota takes care of it's own. As a Workers Compensation Attorney in Florida its important that people who need this service are well taken care of. great job in your state and I hope Florida follows suite.

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    Google Adsense is perhaps the most instantly trusted and recognized form of advertising on any site, so for that reason it would be in peoples best interest to become comfortable having the code for Adsense on their sites, but I get why people think of Adsense alternatives as the payout isnt very high per click on a lot of keywords.

    Not to hijack this thread, but I'm interested in seeing if I can have a short sale and I don't know how to find a good, local realtor... have you ever heard of this realtor? They're listed in the city of sacramento, near my son's school and I can't find reviews on them  Becky Lund & Associates  Sacramento Realtors, 8814 Madison Avenue #2 Fair Oaks, CA 95628 (916) 531-7124

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    Write a hardship letter. Right here in an example hardship letter You'll really need to provide this hardship letter,

    documenting the reason you are unable to afford

    I heard on a loan modification you can delete the second mortgage in case you have a firts and a second.

    Is the true?

    Which is untrue since the trust deed who holds the 2nd

    place of your property wants to get what they can from

    you. The 2nd believe in deed can not foreclosue on your house, unless the 1st trust deed is in default.

    Is it better for me to paid a special loan modification business to take care

    of the loan modification from my existing lender or positive I just

    try to perform with my lender on a loan modification.

    Joua, Please call me for free consultation as needed. You

    better have a company to represent you.

    I've a 3o year fixed rate at 9%. I used to possess good credit but when I refinanced I went through Ameriquest.

    Now Citibank owns the loan..I believe ameriquest no longer exist.

    I didn't even know that citibank was going to be my lender.

    Will I qualify to get a modification of my loan..I cannot afford

    what I am paying now. Due to the housing marker I pulled money out of the equity I had

    in my house and I refinanced. But now my house is just not

    really worth what it was from the past and

    I owe much more cash than what my house is worth. I was told that only

    option arms qualify for loan modifications is this true?

    Nope, give me a call and the new american dream may help.

    our number is 888-DONT Phone THESE SCAMMERS (edited by Moe Bedard) Thre is hope do not waste time.

    Looking forward to your responce

    Is it wise to pay up front for loan modification? Might personal state not

    to pay out anything until finalize. Many unfaithful firm that

    take your dollars and do almost nothing.

    When you need aid with your modification drop a note. I acquired

    good enable from an organization.

    Have to have aid working with HomeQ for any modification to create Home Affordable

    fell behind hoping for better days back in October 08  needless

    to say  the days have not come  we're nonetheless behind and will need help fast.


    There are so quite a few variables to Loan Mods.

    Some lenders reduce rate, some reduce each rate and principal and some reduce rate/term/principal

    and capitalize or forgive missed payments. It

    depends on your lender and their ability and willingness to aid adjust your

    loan. Achieving this on your own is very tricky. My firm will negotiate with your lender on your behalf.

    If you'd like some free, no obligation info, allow me know.


    Im in trouble. Just observed out Rodis law grp. can be a scam and im out

    $3,000. I need to have aid with a loan modification.

    Your publish is extremely nicely crafted and I've learned so much

    about you interests and Bank of America. I

    We just bought a house last 09/2008. unfortunately, i dont operate full time now and my wife

    is the only a single who has a extra stable task, and were possessing a hard time with our mortgage, though we havent missed any mortgage payments yet.

    Can we apply for loan modification even though we havent missed any

    payments yet? before we become delinquent? Thanks.

    Please assist

    Greetings. I am an attorney and member in the Serious

    Estate, Probate, and Believe in Section of the Florida Bar who is assisting clients in avoiding forclosure for more than 20 years.

    There exists a lot of valuable consumer info on, and I've enjoyed

    my visit. I can not emphasize enough to you good folks that before you hand your revenue in excess of to someone who's promised

    to assistance you save your home, come across out who you're dealing with.

    What are their credentials? How lots of complaints have they had?

    What are they charging you? There are some legitimate companies who will aid you to get a very nominal fee,

    but it truly is not all that different from buying a car..

    You've received to check under the hood. Is it gonna run soon after you buy it?

    What's a reasonable price? You cannot just cross your fingers and hope

    it can be not you who is taken for any ride. Be smart.

    I'm just one mom, purchase my home 10/2006, didn't realize much of what i was

    doing and getting into, mainly because of my credit score,

    and no down payment, i acquired a adjustable rate and high mortgage, i was desperate at the

    time. I'm not behind on my mortgage nonetheless with my mortgage rate going up from when i purchase and paying other bills

    i'm struggling, i was denied a loan modification recently

    due to salary to expense ratio. I honestly didn't feel i did a good

    occupation writing the hardship letter, please show me how to write

    this letter as my plan is to re-apply using the enable of Hope for Home

    Owners Agency. Thank you

    My husband & I are while in the middle of trying to get

    our mortgage modified. I cannot stress enough to any one else in this

    predicament to try and do your homework! Don't hand in excess of your hard

    earned revenue to a company that promises

    you the moon and the stars without checking them out initially.

    There may be an organization we contacted that wanted to charge us 2k, told us to stop generating our mortgage

    payments altogether and forbade us from speaking with our lender.

    All of these things raised reg flags, and when we checked them out on BBB, they received an F for several issues consumers have

    had with them. The most serious being no results,

    a home in foreclosure, and minor or no contact together with the business

    after they received their fee. From everything

    I've read through, you, the borrower, really need to contact your lender and make amends.

    what can i do i just received a letter with a court date to foreclose on my home in 30 days,dont would like to lose it cant afford a lawyer really but will if i've as well what can i do assist anybody gone thru this please

    I have a 30yr fixed at 5.5% i orginally purchased my home for $233,000 is now worth $180,000 I have been current

    on my payments for 5 years having said that doing the math each month i should be

    negative 600  one,000 we budget extremely carefully ( under no circumstances eating out buying

    sale items ) i currently ask my bank if i'd qualify for a loan modification  

    based over the math above the cellphone they will probably be sending me an application.





    I purchased my home 7 years ago acquired a 5%.

    Based on some family situations i'm applying to

    get a loan modification. If my lender decides to approve it and reduced my interest for 3 years

    what will happend to my current interest rate?

    last factor i want is to possess a 3% for 3 years after which have to refi and get an 8% to the

    rest of the life from the loan. If my loan modification gets approved will this trash my loan?

    Are there progreams sponsored by Dept of Human Services(DHS) that can

    aid in mortgage payments. Please advise me on hoiw top obtaine

    lower mortgage payments before I'm in default so far I have not missed any payments but medical bills and lowered income are making default


    I enable people modifying their loans. The payment goes using the process of of loan modification.

    There's no upfront costs. I can assist you: When you are behind with your

    mortgage payments. Pay out High interest rate. Pay out

    interest only. Adjustable rate. Unable to refinance.

    You're in hardship to pay out your mortgage.

    I am from the identical predicament as numerous listed on this site.

    My income has altered and I don't wish to lose my home. I have already found that there are scammers who are willing to take you for everything.

    I need help, please!

    Worthy advice, I acquired stuck making use of the

    predators during the modfication scam. I fought back, I called the Bank of America.

    Disputed the amount to these thieves. 2979 to get exact.

    I received a temporary credit on my checking accct. ie

    debit card used. waited 3 months to the permanent credit as the

    bank paid them the money but i had faxed 37

    pages noting the MA state law towards getting revenue before a modication is in area!

    and I filed using the Attorney General on this.

    copies on the bank on this as well. I got my dollars back.

    In modification process, get in touch with the bank and talk

    on the legal dept only! ask for it~! my husband is on unemployment and it

    will stall my foreclosure following 9 months

    of waiting and no payments as we could not afford the significant payments .

    comply with up each and every week on your paperwork and do all of the paperwork

    they ask for and maintain copies of your own on EVERYTHING!

    good luck folks.

    My husband and i have tried to carry out the loan modification on

    our own along with the lender has giving me the run about.

    We do not know what else to do we have a 80/20 loan with really HIGH

    interest rate. And of course we can't refi. we and upside down

    loan. I've been talking to an lawyer but they are asking for 2k

    and we are not a position to complete so.What are other options?

    My mortgage is held by Chase  we're not behind

    or getting financial problems but due to declining home prices

    we cannot refinance to get a better interest rate as we now owe slightly a lot

    more than the home is worth. Referred to as Chase  spoke w/2

    representatives who independently verified that their Making Home Affordable refinance and modification programs require NO CLOSING COSTS or Costs at all.

    None. Not rolled to the loan. Just none. Then I confirmed that this is often the RULE From the Plan,

    not just Chase's rule.

    For those who have a seriously high interest rate around the

    mortgage of your home, you really have 2 options: one.

    Negotiate the rate. Another person a couple of comments over me suggested it as well.

    That is fairly straightforward. Interest rates on anything,

    especially mortgage loans and credits cards are quite negotiable.

    2. Refinance your mortgage somewhere else. This can be

    not for everyone, nonetheless it could assistance.

    I am in the begining of the divorce and choose to keep my house; but due to one particular income and my income

    was reduced considering that we bought the house.

    what are my chance of a loan modification?



    Lender are reluctant to mod your loan, i believe if you balance is somewhere near the market value, they wouldn't assist.

    I used to perform inside the executive resolution team for any major mortgage enterprise.

    No matter what these "loan modification" companies say, THEY CANNOT GET YOU A

    BETTER DEAL. They will likely be offered the exact same modification terms you might

    be offered in case you contact your mortgage business directly.

    Most morgtage companies prefer to operate together with the borrower directly, and I understand some have

    are trying to put policies in spot that they will no longer negotiate with these types of companies.

    Although there are a incredibly few of tehse companies

    that are trying to aid borrowers, most of them are scammers and opportunists willing to take advantage of you to generate a buck.

    Test out NACA.COM. I received my mortgage modified as a result of them.

    GREAT! CLICK ON HOME SAVE Program, completely free!

    what's your experienced dealing withlocal credit union considering

    the fact that they are not part of your bailout program and

    most of their mortgage loan are portfolio loan.

    Information i acquired is mostly when you deal with

    credit union its only 50/50 chance success rate.

    I'm working with wells fargo they are my current mortgage corporation i requested a modification due to a cut in pay out.

    I have finished everything they have asked plus the agreement they came up with was to raise my payment almost $500.00 a month????

    So i referred to as was told not to sign agreement send it back, and they fixed the innacurate income facts they

    had and told me they were flagging account to become re-reviewed.

    I named back 3 weeks later on and they assured me i would hear a thing soon.

    Now 2 weeks later for some cause no one particular can explain

    im in forclosure and if i want a different

    modification i have to start in excess of. Why does it

    feel like they're playing games with me, I dont know what to carry out.

    Any advice?

    I applied for loan mod with my lender, GMAC and they put

    me on a 3-month trial payment for October, November and December.

    Before building the third payment for Dec., GMAC wrote me

    a letter stating that my application for loan modification was approved and they required

    for your signed and notarized loan modification Agreement to get sent back to them along with my "contribution" within the exact

    same amount as my trial payment. Should really I

    assume that this "contribution" was the 3rd trial payment due

    in Dec. or is this aside through the 3 trial payments? I also would like to understand if people trial payments I manufactured

    were paid towards my mortgage. Where did that funds go precisely?

    I have to submit a letter to my lender, can you please e mail me a blank form for me to fill up?

    can someone assistance me do a hardship letter for my loan modification pls.

    my husband left us almost a year ago and he just started giving a child help last month for 230.00 every 2

    weeks. i'm the only 1 left paying for every one of the bills and mortgage payment.

    csn u please assistance me do a harship letter and email it to me.

    thank you for your assist.

    Lenders are no longer requiring proof of hardship.

    You need to briefly explain what the situation is  just as you by now did.

    The underwriters are only looking to discover that you filled while

    in the blanks.

    What do you write any time you are already in a bankruptcy trying to save your home and

    trying to get within the Obama plan? I mean do I start from when I initially got while

    in the bankrupcty or exactly where I am at today and cannot afford

    to continue with the bankruptcy.

    WELLS FARGO makes you jump via sooo lots of hoops it feels like it will

    hardly ever end. Are they doing this to any person else? They hold my 1st & 2nd loan, but that isn't going

    to seem to matter for the 1st. I have paid on time, had good credit &

    now together with the building sector upside down,

    my business has temporarily tanked. I turned to Wells & they had me send during the very same

    paperwork just about every month considering the fact that August.

    I have monitored my "solution" online since this began; watching it

    go from pending, to in review, to completed. ~ Only to be allowed a 3 month breather with no payments -I asked if I could begin trial payments (at a reduced rate)-

    but nope, they are HELPING by not collecting mortgage for 3months  only to Collect ALL OF IT with the end of 3 months!?!

    If I could've paid all of it, I would have. Talk about a SCAM!

    Wells Fargo gets bail out funds from us taxpayers & their statements show that they are

    "helping" their customers with workout solutions. Has any one

    had sucess working with this organization?

    If so, what miracle worker did you talk to?? Lately (the past month), when I get in

    touch with, there line either A) disconnects or B) says to phone back.

    How many hoops does it take to get to your end of the remod-roll?

    We have already been dealing with Bank of America now

    for almost a year about home mod. I lost my career following an illness.

    Even now haven't identified a occupation & still no completely healthy.

    We got our mortgage in 12/07. We each worked then. We have never missed

    a payment ever. But soon after the work loss and hospitalization we exhuasted our savings and even borrowed from our 401k to keep paying the bills.

    We applied with B of a 3 different times only for being told after calling several times we did not qualify at this point.

    then I agian termed and gave them our information in Oct 09.

    We did hear anything until Dec 15, 09 when we recieved a fedex package from

    the financial institution. my heart sank not knowing what it was.

    I opened it up to locate a trial mortgage modification for 3 months.

    we had to send a bunch of paperwork in, they explained

    just after the 3 months that they then send the paperwork the "investors" and they come up with a loan

    modification for us. So not only does financial institution

    of america isn't going to own our loan but they will not inform us who does.

    I have learned one issue make sure you document every single conversation you've got

    together with the financial institution. You believe that they would choose

    to enable you so that they do not end up losing income due to the fact of

    foreclosure, you feel they would would like to prevent it.

    but no they just choose to give you plenty of crap and no aid.

    each time i phone i get disconnected, am hold for

    hours, only to get transferred to man or woman to man or woman and have each 1 of them be rude then again disconnect me.

    i have in no way wanted to choke a person so bad in my life as I have the employees of b of am.

    We just begun the loan modification process.

    We're with Chase and had gotten 4 months behind.

    When received one month behind, we named and they were unwilling to

    assist. The 2nd month, very same issue. 3rd, very same point.

    Fundamentally, you ought to be truly behind within your payments to even qualify.

    I wish I had not cashed out our retirement savings to pay out the mortgage.

    Here is the advice I can offer (take it

    or depart it!): 1) When you can not make the mortgage pmts, STOP paying

    NOW! and contact the mortgage business so they've it on record that you're getting proactive.

    2) Usually do not spend any "extra" income you may have

    from not paying the mortgage.(ie, if your mortgage is $2,000 and you've got only

    $1,000 but decide to comply with my advice step #1.) Save that revenue for once

    you get approved for the Loan Modification. 3)

    STOP going out to eat. STOP buying unnecessary things for now

    and STOP applying the charge cards. Buy your groceries with Funds so that

    you can SEE everything you are spending. 4) Go towards the library

    and test out Dave Ramsey's Total Income Makeover, read through it and start getting

    yourself out of debt FOREVER! Cuz, face it: the odds of you winning the lottery are suh-lim!

    Considering that finding your net web site.

    I have gained a good deal of data on loan modifications.

    I am absolutely sure you may have heard this story

    more than and more than, we also are duped by Green Credit solutions of $3495.00.

    I'm going after the mortgage firm who acted as

    their agent. My attorney advised we could take them to small claims court.

    We certain are planning to try.

    Thanks for saying thanks Shirley. Yes, go after the creeps who

    referred you to Green Credit. What they did is akin to driving the get away

    car for a bank robber to rob a financial institution and then claiming you

    might be innocent simply because you did not rob it.

    That doesn't cut it together with the courts and

    most all drivers are convicted complicit criminals who are as guilty because

    the particular person who robs the bank.

    Just so you all know, I worked for a mortgage corporation for quite a few years.

    Most all mortgage companies WILL NOT do a modification. Initial, you've to become delinquent for them to even assist you.

    Should you are not delinquent, they call that eminant default

    which means you might be not in default but in jeopardy of going into default.

    Second, when that you are more than 3 months late, especially inside

    the state of CA, the mortgage company will refer you to foreclosure

    and tack on thousands in costs generating it IMPOSSIBLE to become

    current. It is best in the event you are requesting a Modification, NOT TO USE

    1 of individuals lawyer firms that promise they can do the Modification for 3K .

    Instead, seek out your own modification. Get your W2s a good hardship letter stating why you

    fell behind or why you cannot make the payment. Only saying you're not happy

    with your loan and your propert value fell just isn't likely to work.

    You may have to seriously have a hardship. Loss of income, misplaced occupation temporarily, etc.

    Then, if approved, the will put you on a 3

    month trial but you've to generate the payments or start the entire process.

    Retain generating the payments when the company is producing the

    decision and in no way get a lot more than 3 payments behind or forget about it.

    If all else fails, go to a not profit like or and allow them do

    your modification. They are quick and free as well as mortgage companies are

    scared of them. This is your best bet or lose the

    house. For all those simply just trying to lower the payment just since,

    you ought to try refinancing or sticking to your payments.

    If the mortgage corporation will not see a hardship,

    loss of income etc. They will DENY you.

    Shirly, What happend with Green Credit?? They are scams and you should report them.

    I've heard of them before

    Mortgage companies will not care about you losing your home.

    They make extra cash from you foreclosing and claiming the foreclosure like a loss.

    Most companies you Assume are your mortgage companies are not.

    They are just servicing your loan. You loan has an "investor" and they are the ones who make every one of the decisions around the loan modifications and not the

    mortgage corporation. They WILL NOT tell you who the investor is unless it truly is

    Fannie Mae or Feddie Mac. All other investors

    will not let you know who they are. Good luck all on individuals

    Mods. Few people get approved and they fall so behind within the loan that it can be impossible to get ahead.

    A further issue, sometimes if they do approved

    the modification, they will ask you for all this upfront income so I hope you happen to be saving these mortgage payments that you imagine

    you might be getting away with. Put that aside. You by no means know what they are gonna ask of you.

    Take it from me, I worked to get a Pretty famous mortgage enterprise inside the Office

    of your President and they don't care. I also

    did mortgage loans. Try to write a letter to your Workplace of the President or go by a non profit like

    Please leave a hardship letter in my mailbox. Thank you. My salary has been reduced to nil and am finding it hard to spend mortgage and bills.

    Cuts in hours and days has left me with a yearly income of half of what I generally earn.

    Example are: 2007 = 32,000, 2008 = 35,000, 2009 = 15,800.

    I'm presently working at the identical occupation,

    just not generating the same amount of dollars.

    So, I need to have a letter that would state nicely why I

    can not afford the present mortgage amount without going into forclosure.

    I'm not behind at this stage, merely for the reason that I'm producing it worse

    by applying credit cards to fix the problem.

    I've been looking for one more occupation considering the fact that June of final year.

    Not working at this. Need help. Thanks again.

    I'm currently working with my mortgage lender

    to obtain a loan modification but I am working through a third party due to my

    mortgage getting a FHA loan. I've been doing this considering the fact

    that Sept 2009 and at this time we're nonetheless

    working by this process. My situation is this: I owe approximately $130,000 on a

    home that is probably only worth $80,000 at best (just a "guesstimate," as I haven't had

    an appraisal in the house or a comp in the area), I'm working on a loan modification as

    I've not been able to spend my mortgage considering the fact that Aug 2009, and I'm engaged to be married Aug 2010  and my future spouse isn't going to wish to move into my home but rather purchase a new home away in the area

    I currently reside.

    I am currently in an interest only loan. The loan can

    be a 30 yr term. The very first 15 years is interest only, the final 15 is adjusted dramatically.

    I even now make all payments on time and am not financially in distress,but

    I am cutting it close just after all bills are paid.

    I'm paying on a mortgage that may adjust in 12 years to a fee that I will not be able

    to afford. Plus, I'd want to have paid off quite a bit of my house

    by then. My home is much less than what we paid for it and we

    cannot refi. I'd like to have my loan modified so that

    I'm in fact paying it off even if that meant

    my payment went up just a bit than what it really is now. Do I have a shot with a modification?

    American Servicing Compant/Wells Fargo i assume are playing around

    with distress homeowners.. i have a interest only loan with a rate of 9.62%, can not effort

    to shell out they monthly payment-i happen to be trying to

    negotiate a modification given that June 2008-have been spot in

    2 different trial period and have made these all payments on time only to uncover out in the end of

    trial that i'm either denied the modification or that the modification approved is to increase the payments

    to a a great deal higher amount.....i truly believe that ASC is

    playing games with homeowners they have giving me the run close to for above

    a year now, i even tried to go by a company to

    complete the modification i paid the just a little less than 3k

    and they acquired me a modification that i had to reject simply because the terms were worse than what

    i originally right after a year of trying

    and getting problem with my husband, we just decided to separate...i desire to stay

    inside the house with all the children if i'm giving an affordable modification....THE Producing HOME AFFORDABLE program seems to be a incredibly fix system for the reason that the payments can

    not be a lot more than 31% of the gross income....what are

    the chances that ASC/Wells Fargo will approved for this system, my husband agreed on

    giving me a monthly income of 1550.00 considering that i'd stay with our three

    children and i make 3336. which under that plan the monthly payments would be

    1515.00....Now ASC wants to get a supplement letter income from my husband and HIS final months shell

    out stubs (husband's name is not about the loan) only mine, what are my chances of getting this loan base around the business history and can you please assistance me write a supplement income letter to my email address?

    katy please electronic mail! i'm also dealing with wells

    fargo. i just started a loan modification with

    them. they put me on a temporary loan mod.

    they put me on a furbearance modification. i feel that usually means at the end in the temporay mod.

    , i'm responsible to the past due owed.Have a loan with Wells Fargo, some

    a single with the quite a few loan mod reps explained that UBS is the investor.

    Been acquiring the run all around for over a year

    now. Did as directed an contacted the firm before the default happened to acquire assistance...practically nothing.

    As soon as we fell behind, then we received to the endless loop with all the loan mod dept.

    2nd loan belongs to Homeq...they also have no solution unless loan#1 gives one.

    i also have wellsfargo loan, going on second req for loan modification and are actually acquiring run close to, just finding in deeper with oweing

    more on back principle, seeking to continue to keep on monthly

    payments and would like to keep our home just desire to lower our montly payments....i agree is wellsfargo helping anyone??????

    or just providing prospects the run all-around....

    I have been functioning with Wells Fargo considering that June '09...i have under no circumstances been late on a

    mortgage payment and have often paid the amount owed...they put me on a trial period Oct-Dec....have kept my documents up to date...had

    a large snowstorm and termed them to inform them i'd get the subsequent documents to them within a

    few days i was endeavoring to dig out....i call them several days later on and they say they booted me out

    in the system mainly because i was a few days late sending from the documents...i inform them i was underneath 3 feet of snow...anyway now they say i owe $6,000 by March one.

    I mentioned what happened towards the trial payments i have

    been generating considering that October? None of my payments are actually going in direction of my

    monthly mortgage...they put them all in the direction of back charges....then they explained i never ever paid Jan and Feb...I said yes i

    did...none of that cash continues to be going in direction of my current monthly

    mortgage...they stated after dec my payment went back up for the

    original amount...i told them i had asked them that and

    they told me to help keep paying the trial payment until even

    more notice....this was not proper data so now i'm while in the

    hole for $6000 and I am somebody who has in no way been

    late with a payment my whole life and was just attempting to some enable since business enterprise has slacked off...they only lowered it $200

    a month. So right here i am a homeowner who has

    been responsibe and has paid on time and now they've got screwed

    me and told me they've reported it to the credit bureau that i am deliquent since i only paid

    the modification payment...i explained which is everything you told me to spend...i have only completed what they have told me...obtain out they've been

    charging me fees to have an individual drive by my house

    to create positive i live there.WTF? Wells Fargo has performed almost nothing but screwed me....and

    just about every time they sent me a mortgage bill i'd phone them and say hey you are saying

    i owe all this revenue WHY? and for the last 5 montsh they've told me to disregard people i do and now they say Oh nicely , you owe

    us $6000 by march or we will start foreclosing...ON An individual who has only completed what they told me to complete...Does everyone

    have any answers?

    We have an FHA loan which is soon to go 90 days late on account

    of each of us loosing our jobs. Flagstar Bank is telling us they is not going to even open discussion with us until we go 90 days late,

    this according to FHA guidelines. Does everyone know what our chances of acquiring a

    loan mod would be if each of us are collecting unemployment?

    Has any person had luck getting a loan mod with Flagstar Financial institution?

    lisa that definitely stinks! i can't feel that they would do that to you.

    I guess just allow anyone out to beware of wells fargo cause it sounds like they screw everyone.

    and its not fair that other banks assist you and they dont.

    they really should be there to assist us, but they

    are not.... my question is ........WHY?

    Hey every person, Our government actually sucks, while they

    get paid top dollar, live in great beatuiful homes, we

    struggle to generate payments on small basic homes in smaller suburb areas.

    Please never give up on the other hand, we are operating

    with our 80/20 banks for one.5 years now and just now we are finding a modification plus the

    bank is just adding a large chunck to your back from the loan and raising our presently high loan amount.

    I am not positive if there even is any excellent loan

    mods but one issue is the financial institution is looking to make our payment affordable

    and that is what really matters at this time of hardship.

    Try to maintain your home for any lower payment even if it really

    is upside down simply because rent is also high right now and just wouldn't benefit

    a lot of individuals. Modification Companies can't do anything for you personally that

    you cannot do yourself. Though you could possibly get the

    run around and it may perhaps take a truly long time, nobody else is going to bother in that definitely

    long process for you personally think me its to big of a hassle.

    Hang in there having said that long it takes, and save your revenue.

    Do not pay out somebody do it yourself, the results will most possible be

    refreshing. If the banks play games just play

    games back. In case you can not afford the loan mod they offer, stop making the payments again and allow them know your hardship again.

    Do what they ask and let them know your needs. Nevertheless, preserve

    in mind all with the banks are different. Hope this helps!!

    Does any individual know what this holding account is that Wells Fargo puts some of your income in?

    I'm attempting to get my loan modified given that June,

    never ever been late on a payment..they inform

    me for three months to pay out this new rate,

    i do , now they preserve sending me bills saying i owe $6,100...the difference between my regular payment

    along with the trial payment was $200 so where do they come

    up that i owe them this?? ive been paying like $700 much more a month to catch up

    and each bill i get says i owe extra than the final month so the place are they putting my


    Can everyone give me an advice on dealing with Wells Fargo.

    I would wish to hear from any individual who managed to have Excellent results

    from Wells Fargo. Your Optimistic end result only will be appreciated.

    I have a Initial TD plus a line of credit both from Wells


    I really will need a sample hardship letter fast. I just went by way of a divorce, so

    now Im a single mom with 1 income now. I went as a result of NACA but the said i did

    not qualify for SAVE THE HOME system. I've 80/20 and taxes / insurance is seperate.

    I atempting to go together with the lender B.O.A. , which request a hardship letter in addition to RMA form,

    checkstubs, bank statments and 4506-T form. Im behind on

    April payment as of now, just dealing with all the attorney fees have put be behind financially.

    I dont choose to loose my house but I dont know what else

    to complete.

    i have a loan with chase wamu i put in 2 times for a loan modification paid them 5 months on time and they

    maintain denying me you can talk to your blue int he face i do not receive

    1000. a month anymore for childsupport i do not get any more bonues and my mom who is

    also within the loan had her hours cut to 32 per week

    and she is 75 years old then chase told us that they had

    to shell out our taxes and insurance to acquire the modification

    my regular mortgage was 1392.00 paid 5 months of 1535.48 on time

    now they want 1934.98 they can continue to keep it.

    I tried for 9 months to modify my loan with Wells Fargo (1st loan) and Bank of America (2nd

    loan). I had misplaced my occupation and my finance circumstance began to

    take a hit. Nevertheless, before my credit

    got ruined, I filed for chapter 13. I wiped out the 2nd loan and all my

    credit card debt. I began repairing my credit with secure credit cards.

    In much less than a year, my credit score is inside the 600s.

    It slowly going back up,but I purchase items in cash!

    I recently took a work and now I have favourable cash flow and savings.

    Bk saved me.

    does my loan must be "in distress" before I can apply for a modification ?

    I am in the process of going by means of a loan modification right

    now, and I've had fantastic advice every one of the way through from my lower.

    The best point to carry out is contact your financial institution and perform with them

    directly BEFORE your payments are late. This shows them that you are currently being responsible and

    letting them know there is certainly a problem before you are really

    in arrears. In reality getting behind on your payments basically excludes you from some with

    the modification programs they've!

    I have been doing work with chase (my house mortgage co.) on

    loan modification due to the fact October of 2009.



    YOU Imagine YOU CAN Pay out TO MODIFY YOUR LOAN,THEY Even now Find



    I am a BOFA customer. Misplaced my career and I have Unemployment

    benefits, but I've been capable to get temp jobs as I go along.

    Nevertheless, I nevertheless have UI benefits. I just did

    a forbearance. It took a year to get it. I finished that and paid back the cash they

    forbeared. During the time, I acquired letter's of notice of intention.

    They started out accruing late costs. The agreement said I won't be charged late

    charges and my loan would be caught up once

    the Forbeared funds was paid. On my own I just applied for MHA.

    Does any one know how they will take care of the circumstance, if I've both UI and some cash flow from temp jobs?

    (neither is truly perm.) I am in essence taking temp perform,

    and have managed to help keep employed this year all of

    but 6 weeks so far. Of course at a lower rate then I used to make

    but additional then UI. I gave them both the

    UI letter, and the paystubs.

    effects and HAMP Plan here is an example and description of how to write your hardship letter Hardship Letter | Best Regards,

    Alex Reply With Quote  + Reply to Thread

    I stop generating my payments in August of

    2010...I was wondering..How long do I've before Suntrust Mortgage kick me out...3-4-5

    months...I've several tentants....I would like to give them a chance....I

    only have recived 1-certifield letter to this date..It was 60-days in default...dated Sept 7,

    2010...Thanks Brad

    I've been functioning for above a year to have enable and was

    encouraged by BofA to run up any and all debt necessary to help keep producing my payments.

    The idea was the a lot more current my account,

    the better the chance I would really have to receive

    enable. Months into the melee I was then told that I had for being

    officially "past due" before they could even submit my request for assist.

    So immediately after tapping each resource at our disposal we had to purposefully miss a payment for them to even begin the process.

    Painfully, we wouldn't have been capable to make that payment anyway and I told

    them that a month prior.

    Kessilyapologies, but that sounds exactly like a script I

    heard from BofA numerous times. As proactive as I was, it didn't aid.

    I contacted them additional than 6 months before my resources ran out and it did

    me no excellent. I can't speak for almost any other lenders, but

    BofA is misleading clients to drag things out. Even in

    case you are creating trial modification payments (which I'm) the

    longer they can keep you within the line, the worse your

    account looks as well as the greater justification they've got

    to ultimately deny you.






    $15,000 FOR SETTLEMENT Costs. I Certainly COULD HAVE AFFORDED The




    I Known as THEM TO REQUEST Enable Mainly because OBAMA SENATE BILL




    Continuously Providing ME THE RUN About.


    TOLD THEY Obtained BUT NOW THEY Require Another. HAVE SENT IN Numerous

    COPIES, WHICH THEY SAY THEY Hardly ever Got, However I Discover IT A






    THEM LIABLE FOR Something. To the DAY THEY Mentioned








    THE Right TERMS From the MODIFICTION. ALSO THEY RAN IT Via Immediately




    THIS HAS Truly TAKEN A TOLL ON MY HEALTH. Seriously Never HAVE Anybody


    Discover ANY HOUSING That may ACCEPT ME. Ideal NOW MY ONLY CHOICE IS Residing IN MY CAR And that is FALLING APART.

    I just wish to take this time for you to believe you so

    significantly for developing this web page for individuals like me who needed enable with dealing with all

    the mortgage companies and banks. I did my homework and use

    your shell hardship letter but modified it to my distinct circumstance.

    I even it took a step even further and told them what I could afford to spend(which was an expectable amount) and what I was cutting back on in order

    to produce it function. I know timing played a key in it also, now the massive

    mortgage companies are getting investigated for fraud.

    It only took them three organization days to respond back

    with an "YES" and I got an excellent interest rate with cap soon after five years and my very

    first payment is not until January 01, 2011, what a Christmas present!!!!

    Thank you,

    we seriously need to come collectively and get these loan

    companies dealt with, why are we letting this take place

    to us and we stand back like sheep lead to our down fall, what ever happen to we the men and women, no a single in

    washington give a f... about us, they expect us to pay out them keep them in a

    large house retain them eating high about the hog and keeping us poor.what are we doing individuals.

    look at your home you worked hard for it its your safe zone not any

    far more, the individuals that dropped your house really worth

    were these individuals, they created it to put us in thie

    situation, and they are the credit card folks lets get some move ment going agaist them

    like the tea party did, bring our homes value back, uncover legal ways to stop them in

    their tracts. i tried that system that obama have with

    my corporation and they created each and every excuse not to make it come about

    such as you fell to send us all the paper function we asked you for in a timely manner that was bull *** i sent them every little thing they asked for and sent it within the similar day it had been

    asked for, and i've others telling me exactly the same point is happing to them, i just received a

    letter that states that my loan couldnt be accomplished due to the fact they didnt get the paper operate that was asked for bullshit, how

    quite a few persons is that happening to, id adore

    to know,and who can we talk to without paying out the nose

    to protect us and our kids

    Has any one ever got a loan modification via State

    Farm ? Recently divorced, struggling to hold on to my home.

    Left with the debt with the home. (which I am wanting to hold

    on too). Which owes 171,000, all through divorce process home appraised at 145,000.

    (upside down). My house payment is 1400.00 month, I'm two months behind in mortages.

    I have my children 50/50, my child assistance is 500.00, I'm behind in credit card payment, truck payment.

    We were capable of make payments for the duration of marriage,it was a

    struggle but we did it, now with only 1 earnings, Want for

    any loan modification is the only way I'll be able

    to provide for my children and have a home for us.

    Effectively Fargo is the worse mortgage enterprise ever!

    They also told us they could do a modification.

    They told us not to spend until we hear from

    them following waiting and submitting everything they requested

    (3 months) they told us we are deliquent, we can afford our home

    and that they expect payment in full and the list goes for your lives!!!!!

    For those who live in california you usually do not really

    have to repay your second mortgage hope this helps.

    Going by way of loan modification with BofA. Each and every man

    or woman I talked to gave me distinct info.

    Before I went into default, I talked to them and they said they

    could not assist me and that I ought to nevertheless make my

    payments since my loan is an FHA loan. Finally, I couldn't pay anymore then they sent me a letter that they can attempt to help me.

    Whenever you apply for loan modification with BofA, you have to

    undergo the collection department to try and do the application process.

    Did it the initial time and was told that I would receive a Fedex package deal to indicate what I should to (to try and do list).

    Following 3 weeks of waiting, named them and also the particular

    person I talked to explained I need to nevertheless wait for it and

    that it's on its way. Immediately after a week, referred

    to as them again and was told that my application has

    been denied mainly because they did not receive necessary informations.

    I told him I was waiting for my package deal. He mentioned

    no such thing and stated I should have faxed them in.

    No a single told me that nor a fax quantity was provided

    to me. Then I reapply and waited. Identified as and was

    told again to wait for a package deal???? Told them about my previous predicament with them and I was told again, that

    the bundle is coming and that I need to wait for it.

    That's the protocol. A week later on I referred to as and a fax number was offered

    So I faxed my stuff in. Soon after a day, I identified as to find out if

    they received my fax, I was told no' and to wait for your package.

    Now, I'm going through the identical *** again, reapply.

    WTF???? This has been happening to me ever considering the fact that August of 2010.

    I've an option arm that is certainly planning to adjust in Oct.

    with Chase. I am not delinquent, but pretty near.

    My over-time in winter months saved me. I'm going by

    means of a divorce that may be not finalized nevertheless

    and I have child help that I'm paying. I want my kids

    to remain in a house they know is home. Their mother keeps moving

    them all over without a good deal of instability in their lives.

    I requested a loan modification package from their way-forward dept.

    that I am filling out. I was told that considering the fact that

    I am current on payments that it is a good point and I would be dealt with quicker compared to being delinquent.

    I heard unique, does any person know. Also I asked who owns my loan as well as the rep told me WMMSC Wamu mortgage securities

    copr. Aka Chase owns my loan. Any individual with any working experience or

    information to help would be greatly appreciated.

    I am about to start process of loam modification due to the fact my earnings went down and

    my property value is significantly less than I owe for the bank on

    the minute. I obtained a great deal of paperwork from Indymac and they are

    asking about how significantly revenue. What is the great factor.

    not possessing any will not be excellent due to the fact than I'm not

    really worth saving and to considerably they will say that

    I need to commit what I've for rainy day. Anyone knows anything about this?

    I'm about to start process of loam modification mainly because my cash flow went down and my property value is significantly less than I owe to the financial institution

    in the moment. I received a whole lot of paperwork from

    Indymac and they are asking about how considerably revenue.

    What is the fantastic issue. not owning any is not excellent because than I am not worth saving

    and to significantly they will say that I ought to devote what I have for

    rainy day. Anyone knows something about this?

    Anyone out there who are doing a loan mod, please read through SB (senate Bill) 94 be advice

    this applies to California residence only this was signed into law from the California

    State attorney general in 2009 to report any scams toll free variety 1-800-952-5252 Go

    to googles search ( SB 94 )

    I obtained a modification from bank of america the initial

    time just rolled in what I was late and with all the identical interest rate as well as the similar

    payment. I request a different modification, which took months....worse results.....rolled in what I was behind....interest rate stayed the exact same.....payment went up $600.

    Financial institution of AMerica gave me the run about for so long....modification tooks in excess of 8 months.

    Any advice on what I should really do, get a attorney?

    We have applied to get a loan modification and

    were just notified today we were denied due to our credit scores.

    My husband was involved in an accident that rendered him disabled and we have had numerous,

    a lot of medical bills, loss of his earnings, etc. Yes, our credit scores have fallen..but all because of the

    past 2 1/2 years considering the fact that the accident.

    I thought we fit the profile for any loan mod. I am so discouraged by the denial letter.

    Any thoughts would be appreciated.

    my house was forclosed on Could 4,2009. I'am a single parent

    and homeless now, what are my rights.

    How would i know if an organization is true and credited

    in modifying a house beneath the Obama prepare. I shell out my time searching a

    variety to verify if the enterprise that im about to

    start a modification is authentic and not a scammer. Please aid.

    how would i understand if a modification firm is genuine and

    not a scam firm. Is there a cell phone amount that i contact to verify if the business is genuine?

    Please help

    Nations Housing Modification Center has taken $ 2000.00 dollars of our

    cash in July 09 and won't return our calls can you

    support us .We're afraid of losing our home.

    we will need another person to assistance us get our funds and to perform our a payment

    approach with our mortgage we will maintain our home

    Kate....I am so sorry this is often happening to you.

    If it can make you feel any better.....or at least a

    little bit saner....I'm going by way of exactly exactly the same matter

    you are. I've been going through this to get a year and half....inside the trial modification plan for just about

    6 months. It really is pathetic and really sad. We have sent the exact

    same paper perform in 4 times. Twice this last month.

    Each time we phone Chase we get a new particular person who does not know anything.

    They can't, or won't even get you to an individual who can help

    you. To the world wide web web site they let you know that you

    will be assigned a modification assistant who will be helping you all through the process of

    approval. What a lie!!! Pres. Obama either has no

    idea that this approach will not be operating.....or just does not care.

    I feel so sorry for old individuals, or folks without a computer to analysis

    all this crap. They are destined to have their homes foreclosed upon.

    And every one of the when the Banks...Wall Street....and everyone else that

    wants cash just gets it from the government.

    Even foreign countries. There have under no circumstances been so

    quite a few families that are homeless. They are living in campgrounds.

    Winter is coming and they are all gonna freeze!! Congress

    doesn't care either. When they did they would have allow the bankruptcy attorneys assistance out

    with these mortgages. The judges are surely smarter than the bank employees.

    I believe that the President mistakenly assumed the lending

    institutions would have the integrity to cooperate voluntarily.

    He underestimated the greed involved within the situation.

    Greed on each on the fence as well. I've seen individuals who could afford the mortgages looking to get their loan modified just since they can.

    These are the Imminent DefaultPeople. They get put about

    the back burner, they aren't losing revenue on them nevertheless so they let them hang through the

    fingernails within the cliff for awhile. Sometimes these are the people today who want extra than they require.

    They never wish to give up the Condo in Vegas,

    the Lexus or the BMW. They typically have alot of unsecured debt.

    If your hardship is anything that was short term, a little something beyond your control such as divorce, loss of earnings, medical issues, or death, you may have a

    chance. Do not give up nevertheless. But be aware the

    closer you get to 12 months down on your loan, the harder its planning to be for you to have an

    offer. For those who can't make your payments for the reason

    that you are in foreclosure you better be saving as considerably

    as you can.The lender will want 30-50% down to start

    the deal. And they are going to give you 5 small business days to

    obtain it to them if they even offer you a Approach.

    Some only permit you 18 months to cure the entire delinquency, which

    could raise your payment by 30-50% Believe about these numbers and obtain a system.

    No matter how it goes, it will eventually do almost nothing but benefit you to become saving

    revenue. It could possibly be used as your down payment

    toward a program. Or even the initial months rent and security deposit on

    another spot to live.  Do your own investigation.

    Most lenders have Borrowers Assistance Forms on their internet

    sites together with a list of required case help documents, telephone

    numbers, fax numbers, e-mails etc... The hardship affidavit and 4506-T could be found at

    These types are for the Fannie Mae, Freddie Mac, FHA and VA loans only.

    Precisely the same site has back links to the Fannie and Freddie look up tools

    so you can see in case you will qualify for any

    government program also as a calculator

    to estimate what 31% DTI signifies to you. For those who have a private investor that has opted out of

    participating while in the government programs, that is problematic, nevertheless it may well still be really worth a test, again

    depending on your DTI. I do feel that after Dec 31/09 all lenders will be

    government mandated to participate during the plan.

    Do your investigation, get all your ducks in a row,

    every one of the kinds, every one of the case

    help documents, cellphone numbers, fax numbers, e-mails etc...will not give up however.I have been in the

    similar boat to. I termed Wells Fargo in January to let them know I was

    planning to have problems since of a divorce and los of cash flow

    a commercial broker lending income. There is no cash to lend !

    So the divorce I had to settle together with attorneys costs and

    now I am 7 to eight month sdown. They sent a letter to me signed

    by there Senior Vice President for a trial modification and they've got no record of it remaining sent.

    But when I obtained the letter I known as and set up the bank draft for

    my mortgage. I called to find out were the packet of info they were to send

    me that I never did get and they stated they sent it ya sure they

    did, So they mentioned they would send it again. So today I known as there corporate office and they show absolutely nothing about me becoming pre qualified to the HAMP plan.

    They even told me what my payment would be. I can't do this anymore its killing me.

    I need to have a Missouri lawyer that I can go speak to in man or

    woman that really cares about persons and

    not his wallet. Any Sugestions for an lawyer St Charles Missouri


    I as well am pretty frustrated wtih poor response I'm getting from my mortgage company.

    I have sent and re-sent my Mortgage Assistance package deal of documents with no response from Citimortgage.

    They do hold asking me why I am not generating my payments.

    It does not matter who you talk to, absolutely nothing ever gets accomplished down there.

    It seriously is extremely frustrating and I seriously

    not absolutely sure if there is an answer .


    really is WHAT I Got IN RESPONSE. SEE Under.

    Could some one particular enable me with any Govt agency's make contact with, to whom I can

    complain about my Loan modification and that is remaining constantly being dragged with out any apparent

    purpose. They are just purposely delaying the whole process due to the fact

    April of 2009. I really want some a single from your administration to know about this and at

    least point us to complain to some 1. This can be quite painful, hoping that you would be

    in a position to save your home if the payment is reduced by a couple of hundred dollars.

    The Bank is Wamu, and that is now develop into JP Morgan Chase.

    I have select portfolio services.. They are without a doubt the most heartless firm I have ever had to cope with...

    I did every little thing that everybody else has carried

    out so far to attempt to acquire a modification from these people...The bottom

    line of wherever I'm at ideal now after resubmitting all my finances

    is that ohh they are sorry that someone didnt tell me that my investor

    with select portfolio doesnt participate from the loan modification program..sps

    does but NOT MY LENDER...I cryed and hung up the cellphone..I will lose my house..They went up

    on my mortgage 500.00 a month...Please support..

    I am disabled from blood clots in my legs and I am looking to

    hold my legs , medical bills and medications are expensive my house pmt is 51% of my earnings , chase denied my

    loan modifacation today for the reason that I recieved a cost of living raise on my

    social security last year. I wish all of you luck , but I do not

    assume several will get aid

    I just received off the cell phone with my lender today.

    Immediately after 9 months of your run about, they've said

    that they usually do not have my loan file and that it was sent to

    yet another loan processor 3 weeks ago to start throughout again!!!!

    I just talked to them final week and they never ever mentioned a word.

    I also had a repayment agreement which they did not bind to.

    They claimed I defaulted due to the fact I

    did not pay out the balloon payment. The balloon payment was to become included inside the loan modification.

    How convenient for them.

    Immediately after a year and 8 trial payments, I finally received a Final Loan with Chase MHA.

    I went thru what all you went thru after which some.

    In the event you do obtain a loan mod please please beware of

    your fees and add on charges the banks puts in to the end of loan.

    Ask for that Verify transaction history from your financial institution.

    I am now underwater on my home which before I was not.

    It did lower my payment which I'm thankful for

    but now the add on fees they make up will not seem to include

    up, so Please ask for the Verify transation history that is definitely the check';s that they stated they paid on your loan , becareful

    the banks are out for each and every dollar and they can get

    one way or yet another. They are greedy, slimy snakes that they

    only do what makes them $$$$$$$$. Fantastic luck .

    You will will need it but continue to keep at it.

    I wonder in case you can assist me I've a construction loan

    with Indymac and they cut me off I could have finished the house in

    two months They even now are sending me monthly bills The house

    is in a custom area of La Habra Heights Calif I have

    misplaced so significantly such since the propertry I used for your down and

    all of the monies I had to put in to the project It continues

    to be a nightmare I hope you will help Me I'm 77 years old and this is my retirement project Now I've almost

    nothing Pat Reece

    I wonder for those who might help me TO stop foreclosure of my house they

    choose to sell the house on march 30. they denied my modification

    .,I truly need support ., I've 4 children i dont now what to carry

    out please enable

    I wonder in the event you will help me TO stop foreclosure of my house they desire to

    sell the house on march 30. they denied my modification .,

    I actually will need assistance ., I have 4 children i dont

    now what to try and do please assist

    I run a contact loan processing business and haven't heard

    any of my broker consumers talking about these programs, but I was obtaining a

    conversation with a real estate agent the other day who was telling me

    that it is a fantastic opportunity to aid men and women in need to have of assist having their loans modified.

    I am also seeing a good deal of posting on

    a variety of Blogs talking about doing this. If everyone can send me info on who to connect with

    and how to offer this service I would be really intersted in learning extra about the programs.

    I am shocked. I believed it had been just me having the run all over from Chase.

    I just happened to accomplish a google search and look at

    what I found! We applied to get a loan mod from Chase in April, 2009.

    I've sent varieties, letters, bank statements, check out stubs, etc.

    more than and more than again. After I was told that

    I requested the loan modifcation process to become cancelled.

    I hardly ever did. I was told the lender Fannie Mae isn't going to have any cash and our mortgage is on hold.

    I am at a loss as what to carry out. If we had known this

    was likely to transpire way back last year, we'd have

    carried out things differently. We might have sold our house when the

    values were higher and we could have walked away without owing anything at all.

    Do we file bankruptcy now on our other bills to help keep

    a roof over out heads? Or give the keys to Chase mainly because

    we cannot maintain building the payments.

    I cannot believe it I thought I am only a single who is finding such a law treat from Bank of America, and others that I asked for

    support. Now I see a great deal of other are during the very same boat as I'm.

    I acquired exactly the same precise respond as Sharon Lambert did, when I tried to get assist through the WHITEHOUS, at the same time as from the

    office of Va. Senator (Senator Warner). You see they want your vote after they want it.

    But the moment they acquired it, when you need

    their assistance they tend not to give a "d" about you.

    I recognize what sharon is going via since I am 60 years old and have lost all

    I worked by way of 40 years of my functioning years. All

    I had was in authentic estate and CountryWild Bank (Financial institution of America) and Wachovia

    Bank took it all. Now I have practically nothing, and Bank of America is

    organizing to take my major resident and make me homless.

    Neither Mr. Obama Nor any other polititions do care,

    because no a single is taking their home away.

    Naz if you are in a negative equity scenario we may well be able to enable you.

    My enterprise does mortgage principal reduction. Please visit our internet site.

    I am applying for a home modification loan via my lender, WELLS FARGO.

    I have study more than 100 comments, and have not observed even one that explained

    WELLS FARGO helped. Has anybody had a very good practical

    experience with WELLS FARGO ??

    Bank of America's home loan modification process is a joke.

    July 2009, I did not qualify period. December 2009, fed ex letter arrives giving a modificaton with payment terms for a tial modificaton, which

    was affordable. When I known as and asked them they

    explained they were gonna do the modificaton and had qualified me on my net pay for

    a modification. I send in every one of the paper

    do the job from the return fed ex return envelope. Including my 2008 tax

    return. which they never got. I begun generating my

    trial modification payment immediatly. I spend the

    subsequent 5 months doing so, meanwhile, they never

    acquired my 2008 tax return. Every time I called I was supplied with a distinct amount

    to fax it to. Which was not the fax variety. Finnaly, I received via on

    the underwriters with bank of america, who are in Florida.

    He acknowledged that every thing was acquired and he was sending in excess of to corporate

    to have them discover the greatest strategy for me.

    5 months later, I received a letter, saying I did not qualify, as my revenue was

    more than 31%, the earnings they had on the letter, was inflated

    by 400.00 a month. Bank of America, is providing everyone the run a

    round. They are running a dog and pony show to say the least.

    Every person I know, is loosing their homes, who have

    tried to modify. Last week a family down the street, moved out.

    The bank had sold her house, for 160,00o.00 she owed 330,000.00.

    Who's making the cash here? The financial institution will now flip the house for a profit.

    This is certainly the way the banks are

    dumping "toxic assets" so they can relize assets that have home value to loan.

    It should be illegal

    WELLS FARGO does not assistance everyone out. All from the websites I have been to not 1 says anything at all good about Wells.

    I have tried to get the job done with them and also the lied.

    They took paper woork explained they woudl function

    with me then raise my payment by just underneath 600.

    extra a month!! Really? I was ok with my orginal

    payment the moment we acquired things straight but not 600.

    more a month. This is crazy.. no a single has recieved

    any from the aid from the federal goverment revenue that was sent out top assistance.

    So I'd want to know in which has the money gone?

    I named the save the dream hotline as well as the women laughed

    at me, stated effectively your home is staying sold

    from the Sherrif.. because you missed a court date. I In no way HAD One Yet...

    she had no idea what I was talking about.

    I can understand that there is quite a bit

    of twists and turns to all of this. BUT for her to LAUGH at me when her occupation is

    to aid individuals in my position is just wrong.

    That is definitely the kind of assist I got from save the dream operator.

    How many houses are likely to sit empty before anyone gets it?

    We all will need Aid genuine support.. we're not all just dead beats,

    I could pay my bills until my husband misplaced his task and now I do the job two jobs to shell out the bills.

    Even with all of that Wells will not work with

    me... Oh heck Wells won't get the job done with anyone.. I've to believe that God has a approach and all will be ok...


    FARGO SCAM  IN GEORGIA  SEPTEMBER 7TH I am been going with the hoops of hell with Wells Fargo considering the fact that Jan.

    12, 2010, I've faxed and refaxed, it really is a bait

    and switch game to rob you  I've filed a OCC complaint, I've contacted the Governor,

    Senate, President... The President needs to freeze all foreclosures with

    HAMP today  until a federal investigation is complete

    band with each other American's let us fight!

    Dear All, My hear breaks for all of you and my family.

    The stories right here that talk about faxing and refaxing,

    sending very same in US mail to ensure receipt, phone calls, NO updates in any respect for your very first 5 mos.

    Without going into all of the detail it has now been 1 yr,

    2 mos and my 3-month trial period has not been approved.

    I received papers with all the terms of my mod in the

    end of Jan-10, signed and returned all docs required at the time

    and have sent nearly 200 pages of documents considering the fact that

    that time, as quite a few have outlined, quite a few

    of them were sent two, three, four and even 5 times.

    I've been paying per my modification terms since March 1,

    2010 and paid a little additional when I obtained a bit of dollars to demonstrate my commitment to keeping my

    home. I am just one, disable mother of 2 special needs boys.

    A single has Autism, ADHD and Sensory Processing Disorder.

    Change is exceptionally tough for him. As

    with a lot of Autistic persons, his sense

    of security comes from obtaining things exactly the same.

    The 21-year old bed and dresser that belonged to his 24-year-old sister, a car I sold to get a additional

    reliable one particular, etc. A single from the handles broke of 1 from the dresser drawers and

    he cried for quite a when. Needless to say, changing homes will

    be an massive challenge for us. I know we are all suffering in lots of ways and

    it makes me so sad. I'm certain individuals have extra difficult circumstances than my family and probably usually do

    not even know they can test to save their home or may

    well not have expertise, skills, etc., to accomplish

    so. Heart breaking!

    You are ideal, I've been operating considering the fact that May perhaps 2009,

    to have a home modification. I've sent in types and supplemental information

    and facts more than 3 separate times. Finally on

    June 29th, 2010 all my paperwork supposedly was received but,

    for the reason that now I was extra than 12 months behind, I did not qualify for the FHA Help Program,

    nor HAMP. And so, now my home is in foreclosure and set to sell in significantly

    less than 30 days. My loan conselor Acorn, is a joke and hardly ever

    told me the specfics and never even returns, my calls.

    Financial institution of America is a joke and I seriously

    think the only one who cares is me. Thanks and may possibly God even

    now Bless the United States.

    We too are having the run all-around from Financial institution

    of America (formerly Countrywide) We had always been on time with our mortgage, then 1 of our cars broke down.

    We didn't have any other way to pay for repairs

    so we fell behind on mortgage. We known as

    ahead to let them know, explained there was almost nothing

    they could do as we were current. Well now that we are above 6 months with

    one payment behind, now they are threatening foreclosure.

    I've spoken to them on various occasions and they've got never ever supplied me any help.

    Finally on June two, they mentioned we may possibly qualify for that Making Home Affordable System, and would get the

    "Packet" out to us. I referred to as back July 15, still no packet, they would resubmit.

    I've named each two weeks considering that and here we're,

    beginning of September and nevertheless no paperwork. I

    preserve obtaining the runaround. I did get an acceleration letter stating we

    had to cure the loan by September 15th or they would start foreclosure.

    I termed them and asked if I could speak with the foreclosure department and ask them to

    process my modification paperwork because they seem in a position to get paperwork out pretty fast.

    I was assured that my home wouldn't go into foreclosure considering the

    fact that we are in "workout status". What workout?

    We haven't obtained anything at all. This can be a joke,

    and it frustrates me beyond belief that these banks

    took all this bailout cash and monies specifically for being used

    to support homeowners and only a small % of persons have even

    been helped. I think in Obama, and I feel he had the finest intentions with the home

    affordability system, but the banks are doing everything possible to drag their feet

    and hold on to the money, I bet the banks are earning

    interest on these monies, they've no rush to let

    go of any of it. Our loan is also USDA guaranteed, so even if it forecloses, they are guaranteed their revenue, they have no incentive

    to support us. This really is ridiculous, and is so

    sad, I live in a subdivision surrounded by

    empty, foreclosed homes. They would be better off helping homeowners retain the homes, keeping the values of

    your homes up.

    Has anyone here dealt with LBPS (Lender Business enterprise

    Process Servicers)? I was with Chase up until August 2010.

    I entered in to the HAMP trial period in Could 2010 and completed the three trial period payments.

    My final payment was in July 2010 then I was transferred to LBPS in they're telling me I will not qualify

    for your HAMP mainly because I am unemployed so that usually means the rules modified

    on me. I've been unemployed for 11 months here in California.

    LBPS told me last week they are sending me An Intent to Foreclose letter and I am desperate to save my home.

    I live alone but I've two dogs that I have had for 11 years and

    I can not give them away. I have heard of some new programs for that unemployed that may be

    up and running around Nov. 1. Any person else know of

    these programs? They are targeted for the unemployed and loss of income men and women at risk of foreclosure.

    If any person has knowledge with LBPS please share with me as

    I do not know what to expect from them. Thank you.

    Want support with my very first and only property, need to have foreclosure goverment agency to start and finish the process

    of foreclosure, i have been 2 years and the financial institution doesn't

    desire to aid me at all so i consider the foreclosure is the following step, please send

    me information.

    I require aid.I've difficulty to spend my mortgage for the reason that

    my husband misplaced job.My lender is Wells Fargo.I applied for loan modification a lot of times with Chancellor

    HENDS Orange County Florida.Wells Fargo denied

    every time my application and told me if I can not spend my mortgage I

    have to live house and they will sell my house .Chancellor cannot

    support me since I pay out mortgage on time,but I have difficulty to pay out all my bills.

    Thanks should you may help!I also this past year had commenced a loan modification with Wells Fargo and it took 6 months (from March to

    September) from the time they completed it.

    It put me even even more behind and then I received laid off

    again and was told I couldn't do one more modification until a year was up.

    But when i named to inform them I was laid off and obtaining behind, they told me I owed 2

    payments and they would not accept something much less.

    This is often Wells Fargo. I identified as but got exactly the same story

    again. Now, I am 4 months behind and I was told to send in payments until I can do a further modification, but then a

    supervisor came about the phone and told me I would not be finding a different modification and

    unless I come up with anything that I owe, I was to sell the

    house or foreclose and there exists almost nothing they are likely to do for me, any longer.

    The government needs to DEMAND the banks to do MODIFICATIONS

    since the rest of you two Fyears of creating faxing even reaplying paying for aid with their F- "required DOCUMENTS that OOOPPPPPS Under no circumstances are pretty correct of OOOPPS extra recent I have gone INSANE when I see that 800 service # calling I get sick ,its terrific when its somebody from India on Sunday night, and also the Fuuuuuuccccckkkkking disclaimer they read through you as well as the FUCKING exact same questions for your millionth time, OUR government saved them I wonder when they had to go through this mind blowing crap Time to march on Washington.

    so theres no hope i will be homeless as of tonite 02/14/11i wouldshoot myself but then anyone would must spend for that

    I am going by means of a horror story of my own. I did receive a modification loam back in July of '09. Sent almost everything in, identified as to create positive it was acquired and went above the brand new payment and the place to send it. Considered every thing was fine. Right after 18 months of timely payments they are saying that it never ever went via. Now they were selling my home final month but had it postponed for 30 days. I have went by way of hell and back and finally told one particular of their reps to send me paperwork to sign it in excess of. There is not any assist out there, feel me I've wrote all people and retained an Lawyer but still they are taking my minor run down home from me and my children.

    iam 4moths behind on my mort,payments i.m behide mainly because of repairs gas bill is too high im on a fix icome this takes every little thing i've coming in. i require aid to save my home. thank you. my bills out waive my revenue

    We are already attempting to apply to the loan modification with our lender, Carrington Mortgage Services. They told us to test with them 1st, very well we have considering that March 26, 2010. We commenced with Jake who they fired, started out Throughout again with Damon, Throughout again with Lori, AGAIN with Lorraine, AND AGAIN with Diane, which she stated  we modified your loan  we were so relieved just after all this time  Correct  she told us our new payment would be $1699.18 a month with every thing included  the problem  It can be ALOT More than we were paying, so where is the modification? I told her that we wanted to appeal this, she told us she would be out on leave for two weeks for lipo surgery, "I'll contact you when I return", NO Phone Call, JUST A LETTER STATING AGAIN THAT WE Did not SEND IN Each of the DOCUMENTS. Now I ask all of you, in the event you get a Modification how are these companies allowed to keep doing this to us? I imagined the modification was to lower the amount not raise it, and why does it should cost so substantially to go else-where to have an attorneys workplace or mortgage services etc... to really try out (so they say) to get the ball rolling? We're at a loss since we don't know the place to turn anymore, ANY KIND OF Assist, ANSWERS, SUGGESTIONS would be greatly appreciated!

    i tray evriting in may well power s to seave may possibly house wells fargo preserve tellme to generate a madificeciones an now the toll me a los could house i now the 18 moths obama new program can you send a aplicassion please ........

    foreclosure TOMORROW!!!! are actually in modification program with wells fargo for 6 months and was denied a mod 2days before foreclosure!!!! make loads of money and can make payments... PLEASE Assistance!!

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    I've a mortgage with CCO and Chase. My husband passed and seeing all of the horror stories on here I was afraid to tell them he died. But, I went to Chase today and told him he passed and would like to know the penalty for paying off the loan that was in my husbands name. He mentioned there was no penalty! Then I identified as CCO simply because they dont have an office in Georgia and asked them about the other mortgage and there is no penalty with them either. Took a load of my shoulders hearing that! Soon after I receive the payoff amounts I'm completed paying mortgages for great! Each CCO and Chase are actually fantastic.

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    Hey Rob,I am a student that is just having to the net development business enterprise. I have discovered that the hardest component for me is blogging. Do you have any tips on how to have words to start flowing?

    Ah, yes, Daniel, that's a excellent question. It undoubtedly isn't going to come easily at very first. What I tended to do was to create at the weekends and consider about what I had accomplished that week. What did I learn? Was there any piece of advice I could give myself before that week that would have helped me perform the tasks better.I try out to write the most helpful site submit I can each and every and just about every time and, slowly, it turn into easier.

    Spot on advice Rob. I get the job done to get a web style agency so I can vouch for each and every single one of those skills! A weblog is such a practical asset to a web-site, but I will not believe you generally must write 600 words of content. Doing a list style submit that focuses far more on graphics rather than text will add assortment to your site and I also locate short reports on the latest sector news interesting and engaging that makes me come back for extra. Would you agree?

    After a although, Anthony, you will settle for just about any idea for a blog site post! Personally I like the posts that are actionable and useful. I don't like "opinion pieces" but they are seriously popular! I like posts about the two the technical side of graphic design and style and latest market news that is relevant to me. But other people today like other things! Thanks to suit your needs comment.

    Speaking from knowledge, opinion pieces are really popular and they can sometimes spark up a terrific debate within the comments. As a end result you can unearth more ideas for weblog posts!

    Yes, Anthony, you're appropriate. I am probably not getting my opinion pieces correct as they tend to not spark as significantly debate as my more "detail-heavy" posts. Or maybe persons have come to know me for that and so I will not attract the readers who want to comment on opinion pieces. Anyway, I will continue to keep making an attempt.

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    This was a great short article. Time management is massive for me. You easily get misplaced while in the amount of hours you put into one particular project and forget the others. Networking and blogging is yet another one particular. You will need support and you would like it from the appropriate area. Check out a partner (despite the fact that this hasn't worked for me).

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    Thanks Rob, I have imagined about outsourcing but I am undecided on which parts of the small business to outsource and if it is going to be viable when primarily I would be handing out cash to other companies that I possibly can be doing in house with a partner and expanding the business. I just will not know it can be a tricky condition but I'm glad I am in it LOL

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    Thanks a great deal for posting such an informative blog article. It can be true that Net Design now needs other IT Services like SEO, SMO and SMM also. Even appropriate & good quality equipment is also required, be it software or hardware.

    Quite excellent tips. Quantity two in my mind is one particular from the most important. Getting organized and dedicating time for your "business" is vital.

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    Can-do optimistic attitude is important as it comes across even in the do the job and when networking.

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    Great advice. I get the job done for any internet site design and style business and I adore it. I really feel that all of these skills you'll want to perform here also. I'd need to say that I'm fantastic in any respect of these except organizational and time management skills. I nonetheless haven't gotten that 1 down yet.

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    Hi! Rob, am a Mechanical Engineer with limited HTML understanding, are recently affected by meltdown in jobs in India and have already been significantly thinking about Web Designing considering the fact that I like the idea and am quiet fascinated by it. Do you consider I need to start off devoting time to this... patience I have lots of it but offered my background do you believe I can succeed to earn a living by means of it.

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    Good day! This is certainly my 1st comment here so I just wanted to give a rapid shout out and inform you I definitely appreciate reading through as a result of your posts. Can you recommend any other blogs/websites/forums that manage the exact same subjects? Thank you!Kevin: take a deep breath, China can indeed "fail"; not "collapse", but slowly and certainly slide down a long slippery slope of slowing growth from which it'll be generations before it recovers. when Ronald Reagan was elected president, China played completely NO role inside the world economy, the Americans were worried that the Japanese would buy up the world, Europe was assured of even further integration, along with the USSR was a "superpower." One can only hope that in their long, quiescent period the current political economy will evolve into some thing a bit far more flexible.

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    this post is so beautiful and helpful......Got my home finance improvement loan without issues. I consider these people today saying it took long time didn't send the accurate paper wrok in. I sent everything and got my revenue 3 weeks immediately after I applied...

    it may possibly be very tricky to secure mortgage loans for blacklisted buyers. Regardless with the daunting challenges ahead, using the suitable fiscal aid you may be capable to attain your ultimate goal of owning a home ought to you adhere to steps that could aid you to solve your economic troubles problems. Mortgage loans has the capacity to offer exceptional advice for blacklisted individuals wanting to find out a lot more about home financing, letting you discover the home you have usually wanted.An additional good write-up Eric. I look forward to them in my inbox. I'll share it on my site.. Thanks again

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    Hi I'm preparing on opening my own law firm but i have to have a little bit of financial help like a grant to help me cover my rent. Any assist or advice?

    Dear Sirs, My disability was caused by a Head injury right after a motorway incident, I've allways had an artisic interest and at present am doing work for Interserve Defence as being a computer clerk and administrator. I would wish to go into running my own business but have no money backing and have a family/home Is there any help available to start up a cafe eg shop layout lease support and assistance with getting a business on the ground and helping to make a susstainable self supporting organization ? because i have tried to create a link to the art marketplace by building my own web-site i would also wish to display my prints/cards/books for sale in this cafe so it will turn out to be a Cafe/Gallery/Art shop.

    There's quite small funds in the second for organization start up. I would operate from home (if allowed) and hire a room to conduct interviews

    hi, my title is Sarah. i'm a graduate with disabilities. hearing impaired and partially blind.i managed to finish my degree in designing but have not uncovered a work, finally i've planned to set up my own organization the place i'll also offer function and get the job done placement to other people today who are within the exact same condition as my self. please guide me and inform me whats the very best way to seek out grant

    i'm on disability. am a mother of 3. 1 lives with me. i desire to start a business enterprise in which i can help put others on disability to operate. i understand alot of individuals searching to perform roofing and construction and others who could do the paperwork and bidding jobs. is there any grants out there to help me get commenced. wouldnt take also significantly. we previously have all of the tools. thanks... Viva

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    Yeah, which is why I am not married anymore: as well a great deal non-reciprocation. I stuck it out for just about 8 years before I realized: no matter what I do, it can generally fall quick with the effort of two folks, since I will under no circumstances be two people today. I can only do my very best as an indiv. As a matter of truth, most of my friendships lately have fallen into this category. Its exhausting to often be available, affectionate, the "open book" and get so very little (or practically nothing). Its like exhaling without inhaling. There exists 1 "friendship" in unique that comes to mind. I final told him "I'll tty

    tomorrow" but I realized how much I didn't really feel like it...our friendship/communication had degraded to such a degree that I realized this. And I didn't really owe him anything, so I didn't come back. That was pretty much 3 months ago. It seems just as well, as I by no means heard back, so clearly I am not even missed. 1 more emotional drain I don't need to have. I deserve far better treatment than that.

    What a timely message Andrrea. I'm generally game to try out most anything and have felt pressured into doing the videos by my coach who has repeatedly stated "if you desire to grow your business it's essential to do videos". As a great deal as I have practiced and shot and re-shot videos, they constantly depart me feeling quite frustrated and much less than. Not a fantastic feeling. So thank you for the validation of creating yet another choice.

    Diane  there is absolutely much more than one way to grow our enterprise! Video is wonderful  but only if we Appreciate shooting video! And "video" itself is a broad category  there are so quite a few different sorts of videos we can create that do not even necessarily involve us getting on camera! Experiment!!!

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    Good short article Andrrea! I've been exploring the word sacrifice and wondering how to function with it mainly because it truly is such a common word individuals throw all around after they talk about developing the life they want. This puts it into perspective so clearly now! Thanks!

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