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Upside Down Mortgage Loan Modification Problems, Questions And Answers. Go Ahead Ask Yours!

by Upsidedown Mortgage Loan Modification Expert - Dan North

Do you have questions about Upsidedown Mortgage Modification? Get answers for what you want to know about modifying loans. Just ask.


  • Not getting anywhere with your lender on a mortgage modification of your loan?

  • Need some help or advice modifying your upside down mortgage?

  • Not sure if your lender is offering you a good loan restructuring?

  • Want mortgage renegotiation but not sure where to start?

  • Don't know what to do next?

  • Have questions about the mortgage modification process?

  • Not sure what modification you should ask your lender for?

  • Did your lender say you did not qualify for mortgage assistance?

  • Did you ask your lender to modify your loan but your payments were increased instead?

  • Are you spending more than you make but your lender will not restructure your loan?

  • Is your lender taking forever on your modification request?


Get individual answers for your specific mortgage modification situation. Find out for yourself what you can do about your loan modification problems. Get help help with mortgage renegotiation. Its your home. Take action, you owe it to yourself and your family.


There is HOPE for Homeowners.


Something Can Be Done About It!


See questions contributed by previous visitors


Have A Loan Modificatin Question?

Get Answers!

Get Answers to your Loan Modification Questions
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Go ahead just ask!


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What Other Visitors Have Asked

Click below to see questions from other visitors to this page...

Modifying My Million Dollar Loan  starstarstarstarstar


Quick Facts on subject proproperty:
2nd home now rented ($70k net)
$1 million loan balance
Purchased 6 years ago for $1.375 million
worth ...

Will I Have To Use My 401k
To Pay Mortgage?
  starstarstarstarstar


I am in the process of a traditional modification. I am waiting for an answer.

Will they make me pay back the 21k from my 401k?

Mortgage Loan ...

Debt To Income Ratio And Loan Modification  starstarstarstarstar


How will my debt to income ratio affect a loan modification? Do percentages apply when doing a loan modification? How low should I expect the mortgage ...

Loan Modificatoin, Bankruptcy and Divorce  starstarstarstarstar


Husband and wife are both on the mortgage and the Deed. They are separating and wife has filed Chapter7 and surrendered the property. Can husband ...

Loan Restructure And Adding To Household Income To Qualify For
Loan Modification
  starstarstarstarstar


If I need to add my wife's income to qualify for a loan modification does her name get add to the mortgage loan contract as part of the loan modification ...

Citi Bank Said I Qualify For Loan Modification, Can I Ask For Reduced Interest Rate?  starstarstarstarstar


Citi Bank has the mortgage on my home. The value of the property is about $400,000 and the balance is about $216,000.

I missed the last payment ...

Is This A Government Loan Modification Or An Alternative Loan Modification From Our Lender?  starstarstarstarstar


Our lender told us we qualified for a Government Loan Modification. They lowered our loan 70,000 dollars, but we had to agree to pay 2300.00 a month ...

Where To Go From Here With
PNC / National City
  starstarstarstarstar


I had previously asked "Why a 14% reduced payment with a 40% reduction in income" with PNC / National City .

Thanks for your answer and comments....

Upside Down Mortgage Need Help  starstarstarstarstar


I am upside down on my home mortgage...still making payments and current. But I was interested in some relief as we have a new baby and money ...

I Am In The Loan Modification Process  Not rated yet


I am mid a loan modification on my 1st mortgage.

The 2nd mortgage won't stop calling me asking me to keep paying it......Do I have to make payments ...

Manufactured Home NOT Secured By Mortgage On Real Estate - Is There A Way To Modify Loan?  Not rated yet


I understand this would not qualify under HAMP but are there any other modification programs out there that would apply?

Also where is the original ...

How Do You Request Loan Modification When Seperated?  Not rated yet


I am submitting for a loan modification but currently separated from my husband. We are still married and file taxes jointly because of the kids....

Loan Modification Denial After 6 Trial Modification Payments  Not rated yet


I applied for Loan Modification 14months ago. The 2nd mortgage, a home equity line of credit, is now reported in my credit file as charged off....

Will Sun Trust Mortgage Do Principal Forbearance?  Not rated yet


I live in Bakersfield CA and Sun Trust Mortgage has my 80/20 mortgage for $200,000.

I did the mortgage modification myself reducing the 2nd ...

Do It Yourself Car Loan Modification Software?  Not rated yet
I came to your page from www.carloanmodificationpro.com is that the product you are referring that I buy for $48.00? I need help but cant afford a company ...

Modify And Sell Simultaneously  Not rated yet


Can I list my home for sale after applying for a loan modification?

Mortgage Loan Modification Answer: by Loan Modification Expert - Dan North ...

Profit And Loss Statement For
HAMP Modification
  Not rated yet


I am self employed. I sent a quarterly (4th qtr 2009) Profit & Loss Statement to my mortgage company for a HAMP Modification. Because I subtract ...

Special Loan Modifications For Disabled On Fixed Income?  Not rated yet


Are there special loan modification programs for Seniors on fixed income? Anything for the disabled?

I do not qualify for a loan modification ...

Can I Rent My House Before My Loan Modification Is Completed?  Not rated yet


I just made the 5th payment on my home loan modification and I'm still waiting to hear if I've been approved or not.

In the meantime, I've been ...

IndyMac Modified Loan On 1st Mortgage But Not 2nd?  Not rated yet


Indy Mac modified my 1st mortgage interest rate to 2% for five years, late last year. I recently received a letter from Indy Mac regarding my 2nd ...

Loan Restructure And Adding Names To The Mortgage  Not rated yet


If i need to add my wife's name on a loan modification for extra income does her name get add to the mortgage loan.

(See Vladimir's earlier question ...

Can I Modify Mortgages On A Primary Residence And 3 Rentals All With PNC?  Not rated yet


My primary residence is worth 700k with a 290k note, 30 yr fixed , and 3 rental properties with negative cash flow, 30 year fixed notes, all 1st ...

Length Of Loan Modification Term  Not rated yet


What is the length of term Lenders are required to give you in regards to length of repayment?

Mortgage Loan Modification Answer: by Loan Modification ...

Indymac Bank Wants A Profit And Loss Statement More Recent Than Last Month  Not rated yet


IndyMac Bank keeps faxing me stating that my P&L statement is not recent enough but it was for Jan - March of 2010?

Please help

Aloha, Lotus ...

Can You Modify Loan On A Mobile Home Under HAMP?  Not rated yet


Does a mobile home qualify for the Obama loan modification program?

Mortgage Loan Modification Answer: by Loan Modification Expert - Dan North ...

How Can We Find Out If We Are Elligible To Lower Our Monthly Mortgage Payment  Not rated yet


I appreciated reading some of your articles, very informative and easy for the non-banking person to understand, thank you.

Could you please email ...

Can I Rent My Home Out After A Making Home Affordable Loan Modification  Not rated yet


I have been approved for a making home affordable loan modification.

I may have to relocate in a few months for business purposes.

If I decide ...

Calculation of Gross Income
If Self Employed
  Not rated yet


We were offered a Permanent Loan Modification, however the monthly payment is 40% higher than the trial payment with no explanation.

I have feed ...

Can I Lower My Modified Loan Payment By Getting Cheaper Insurance And Lowering My Property Tax  Not rated yet


If I find homeowners insurance that costs less than my current insurance company, will the modified amount that I pay go down or will it remain the ...

Payments and Grace Periods
After Loan Modification
  Not rated yet


After your loan modification is approved and you have been sent back the signed Mortgage Loan Modification Agreement, what happens to the grace period?...

Home Loan Modification - Tax Return Question  Not rated yet


I am entering into a 90 trial period and completing the packet of paperwork the bank sent.

Here is my question:
I am on the loan solely, my ...

Extending The Length Of
My Home Mortgage Loan
  Not rated yet


In a nutshell my husband became disabled with Multiple Sclerosis and we were all of a sudden down to just my income.

We fell behind in our mortgage ...

Simple Mortgage Modification Arithmetic  Not rated yet


Why would PNC / National City Mortgage offer only a 14% reduced payment (3 month trial) when I have a 40% reduction in income?

Mortgage Loan ...

How can I get help to reduce monthly payments?  Not rated yet


We are really struggling to make payments, and we are considering having to sell the house even though it is upside down.

The only way to save ...

Refinancing After A loan Modification  Not rated yet


If I do a loan modification, can I refinance later on or will it be a problem.

Mortgage Loan Modfication Answer: by Mortgage Loan Modification ...

Trial Loan Modification Period
What An Owner Cannot Do
  Not rated yet


What if a homeowner buys another property before going into a 3 month loan modification on another property? What is the chances of being approved ...

What if I need to move?  Not rated yet


I am currently seeking to modify my mortgage due to loss of income. I also discovered that I may be up for a promotion that would require me to ...

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Apply for No-Upfront Fee Hardship Mortgage Modification
Find out for yourself. Apply for no-upfront fee hardship mortgage modification even if you do not qualify for the Government Making Home Affordable Modification Program. You may qualify for a No-Upfront Fee Modification. (Currently available in California, Oregon and Washington)

DIY Modification Kit
Are you looking for a DIY Modification Kit that will walk you through the entire process of modifying you loan? Then read on.


Mortgage Modification Myths Exposed
There are many Modification myths floating around. Get the facts. More homeowners qualify than lenders are letting on. Are you one of them?

What Is Mortgage Modification?
Find out what Mortgage Modification is, what it can do, how it can benefit you, what happens when it does not and what to do, plus how to modify a loan from a position of power. There is Hope for Homeowners. Something can be done about it!

How Does Mortgage Modification Work? Part 1
Modifying a mortgage is simple, but you need to understand what it is and how it works so you are in better control of the outcome. How do you know if your lender is pulling the wool over your eyes?

Don't miss the conclusion in Part 2
In Part 2 we go into examples of how a loan is modified, covering what your lender looks at before modifying your mortgage as well as what your lender requires to modify a loan.

Bank of America Mortgage Modification Problems, Questions And Answers Get answers to your own Bank of America Mortgage Modification problems and questions or just see what other visitors have asked and their answers.

Ask Your Own Chase Modification Questions - Get Answers
Get answers to your own Chase Modification questions. See other visitors questions, experiences and their answers. What do you want to know or need help with? Have a Chase experience you would like to tell us about? Go Ahead.

Ask Wells Fargo Mortgage Modification Questions
Get answers to your own Wells Fargo Mortgage Modification questions, tell us your Wells Fargo horror story or just see what other visitors have asked and their answers. What do you want to know or need help with? Got a situation you need help with? Just Ask.



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Hardship Loan Modification:

Apply for No-Upfront Fee Hardship Loan Modification (California only) Get the professional help you need to modify your mortgage. No fees to get started and no charge if your loan is not successfully modified.

DIY Loan Modification Kit Don't know where to start but want to modify your loan yourself? Don't blow your chance. Get the help you need to do it yourself the right way. Submit and negotiate like a PRO - now with insider advice on how to negotiate a better modification

Challenging The Notary Book Force your lender to modify, save house from foreclosure sale or just stay in your home as long as possible. Part of the "Show me the note strategy".

Previously Denied For Loan Modification? End the worry and mystery, don't worry for months waiting to see what your lender will do. Use this powerful tool to prove to your lender that he will make more money by modifying.

Need To Repair Your Credit After Loan Modification, Foreclosure or Bankruptcy? Easy to use credit repair software with audio and video. Automate the credit repair process to remove negative items even after loan modification, foreclosure, bankruptcy and late or missed payments.


Ask Mortgage Loan Modification Questions -
Get Answers To:

General Loan Modification Questions And Stories

Chase Loan Modification Questions And Stories

Bank of America Loan Modification Problems, Questions And Answers. Go Ahead. Just Ask.

Wells Fargo Mortgage Loan Modification Questions And Stories

Mortgage Foreclosure Questions and Fighting Back



Top 5 Most Popular Visitor Questions:

Current Loan Modification Question

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Top 5 Recent Reader Questions:

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