http://www.mortgage-modification-answers.com/Loan-Modification-blog.html The Mortgage Loan Modification Blog - Find out what's new at Mortgage Loan Modification Answers, the latest developments in Loan Modifications and Government help with mortgages. en-us loan modification Tue, 01 Jun 2010 01:17:12 GMT Tue, 01 Jun 2010 01:17:12 GMT mortgage-modification-answers.com http://www.mortgage-modification-answers.com/will-i-have-to-use-my-401k-to-pay-mortgage.html I am in the process of a traditional mod. I am waiting for an answer. Will they make me pay back the 21k from my 401k? Mortgage Loan Modification Answer:by Tue, 01 Jun 2010 01:08:55 GMT http://www.mortgage-modification-answers.com/profit-and-loss-statement-for-hamp-modification.html 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 what I Tue, 01 Jun 2010 00:30:24 GMT http://www.mortgage-modification-answers.com/modify-and-sell-simultaneously.html Can I list my home for sale after applying for a loan modification? Mortgage Loan Modification Answer:by Loan Modification Expert - Dan NorthYes you can Mon, 31 May 2010 23:38:37 GMT http://www.mortgage-modification-answers.com/chase-loan-modification-denial-no-official-notification-of-repayment-plan.html After not recalculating my loan for two years in a row and with horribly high insurance premiums thanks to Katrina, my payment jumped from $850 per month Mon, 31 May 2010 23:14:07 GMT http://www.mortgage-modification-answers.com/can-i-rent-my-house-before-my-loan-modification-is-completed.html 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 offered Wed, 12 May 2010 02:00:06 GMT http://www.mortgage-modification-answers.com/indymac-modified-loan-on-1st-mortgage-but-not-2nd.html 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 mortgage. Wed, 12 May 2010 00:59:57 GMT http://www.mortgage-modification-answers.com/special-loan-modifications-for-disabled-on-fixed-income.html Are there special loan modification programs for Seniors on fixed income? Anything for the disabled? I do not qualify for a loan modification from Tue, 11 May 2010 22:39:14 GMT http://www.mortgage-modification-answers.com/second-mortgage-charged-off-by-chase.html Chase did a charged off on my second Mortgage. What comes next? Mortgage Loan Modification Answer:by Loan Modification Expert - Dan NorthThe first question Tue, 11 May 2010 20:03:17 GMT http://www.mortgage-modification-answers.com/HOPE-For-Homeowners-Qualification-Form.html Find out if you qualify for the Making Home Affordable or HOPE For Homeowners. Use our Loan Mod calculator. See if you qualify for Government Mortgage Assistance or Government help to stop foreclosure Tue, 11 May 2010 09:13:29 GMT http://www.mortgage-modification-answers.com/diy-loan-modification-kit.html This DIY loan modification kit is the exception to the rule. It delivers. Gain the competence you need to submit and negotiate like a PRO - with real insider advice on how to negotiate a modification Wed, 05 May 2010 01:39:10 GMT http://www.mortgage-modification-answers.com/why-would-the-mortgage-company-not-lower-our-principal.html To make a long story short, we closed on the purchase of our new home in April 2006, one week later I was diagnosed with a condition that resulted in almost Tue, 04 May 2010 22:44:53 GMT http://www.mortgage-modification-answers.com/loan-modificatoin-bankruptcy-and-divorce.html 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 do a Tue, 04 May 2010 20:36:18 GMT http://www.mortgage-modification-answers.com/trial-loan-modification-for-11-months-and-repayment-plan.html We have been in a trial modification for over than 9 months. Yesterday I received a letter from Chase with a repayment plan which is not help. I have Tue, 04 May 2010 20:02:59 GMT http://www.mortgage-modification-answers.com/debt-to-income-ratio-and-loan-modification.html How will my debt to income ratio affect a loan modification? Do percentages appy when doing a loan modification? How low should I expect the mortgage company Fri, 30 Apr 2010 02:49:56 GMT http://www.mortgage-modification-answers.com/loan-restructure-and-adding-names-to-the-mortgage.html 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 on Fri, 30 Apr 2010 01:43:51 GMT http://www.mortgage-modification-answers.com/loan-restructure-and-adding-to-household-income-to-qualify-for-loan-modification.html 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 Tue, 20 Apr 2010 10:01:24 GMT http://www.mortgage-modification-answers.com/can-i-modify-mortgages-on-a-primary-residence-and-3-rentals-all-with-pnc.html 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 mortgages Tue, 20 Apr 2010 08:51:46 GMT http://www.mortgage-modification-answers.com/bank-of-america-trial-loan-modification-offered-but-payments-increased.html The terms seem to be from Bank of America loan modification program that all monies in arrears were just added to the unpaid principal balance and my interest Tue, 20 Apr 2010 05:36:16 GMT http://www.mortgage-modification-answers.com/i-responded-to-the-foreclosure-court-summons-can-the-mortgage-company-make-us-leave-our-home.html I was served papers regarding mortgage foreclosure on our home. I had 21 days to respond to the court summons and I did so. Yesterday a man called from Sun, 18 Apr 2010 05:36:34 GMT http://www.mortgage-modification-answers.com/mortgage-foreclosure-on-rental-properties-and-tax-ramifications.html If a rental property I own gets foreclosed, do I have to claim anything on my tax return for that year? I live in WI and the house is in IL. Mortgage Sun, 18 Apr 2010 01:40:33 GMT http://www.mortgage-modification-answers.com/received-my-making-home-affordable-modification-agreement-from-chase-bank.html In the Loan Modification Agreement contract it states that Chase Bank has nominated a private company to monitor and collect my personal information (account Fri, 16 Apr 2010 10:29:15 GMT http://www.mortgage-modification-answers.com/indymac-bank-wants-a-profit-and-loss-statement-more-recent-than-last-month.html 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 Golden Fri, 16 Apr 2010 07:05:53 GMT http://www.mortgage-modification-answers.com/length-of-loan-modification-term.html 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 Fri, 16 Apr 2010 05:03:11 GMT http://www.mortgage-modification-answers.com/citi-bank-said-i-qualify-for-loan-modification-can-i-ask-for-reduced-interest-rate.html 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 only and Fri, 16 Apr 2010 03:14:15 GMT http://www.mortgage-modification-answers.com/should-i-stop-paying-my-boa-mortgage-if-turned-down-by-bank-of-america-for-loan-modification.html Recently (4/13/2010), I sent in a reply to a letter sent by BOA in Dec 2009, regarding home loan help. In the letter, I explained I would be losing my Fri, 16 Apr 2010 01:48:49 GMT http://www.mortgage-modification-answers.com/is-chase-just-wasting-my-time-part-3.html Thank you for your responses so far. You said to include the name, email and phone number of the Chase Loss Mitigation Officer assigned to my case. All Thu, 08 Apr 2010 11:44:09 GMT http://www.mortgage-modification-answers.com/is-chase-just-wasting-my-time-or-can-i-modify-my-loan-part-2.html I realize I did not provide enough information to help you help me. The loan is held by Fannie Mae. I don't think it's an FHA or VA loan since I don't Wed, 07 Apr 2010 08:38:27 GMT http://www.mortgage-modification-answers.com/rehired-by-employer-during-trial-loan-modification-with-chase-how-will-this-affect-the-trial-offer.html Chase offered a Trial Modification Plan near the end of Nov 2010, after my husband had been out of work for nearly two months. At the end of Dec 2010, Tue, 06 Apr 2010 00:51:08 GMT http://www.mortgage-modification-answers.com/is-chase-just-wasting-my-time-or-can-i-modify-my-loan.html I originally sent all requested information to Chase in October 2009. After 5 months of resending paycheck stubs, bank information and re-signing the request Mon, 05 Apr 2010 09:47:46 GMT http://www.mortgage-modification-answers.com/can-you-modify-loan-on-a-mobile-home-under-hamp.html Does a mobile home qualify for the Obama loan modification program? Mortgage Loan Modification Answer: by Loan Modification Expert - Dan North If a manufactured Mon, 05 Apr 2010 06:34:09 GMT http://www.mortgage-modification-answers.com/chase-loan-modification-agreement-increases-my-payment-by-1300.html I am confused and angry. My wife and I entered A chase Loan Modification Program in August 2009. We had never been late with a mortgage payment but due Mon, 05 Apr 2010 02:29:54 GMT http://www.mortgage-modification-answers.com/chase-home-finance-trial-loan-modification-never-ends-will-they-ever-approve-a-permanent-loan-modification.html I entered into a 3 Month trial loan modification 06/2009 with Chase Home Finance. I also submitted all the requested documentation and received verification Wed, 31 Mar 2010 00:12:42 GMT http://www.mortgage-modification-answers.com/can-i-rent-my-home-out-after-a-making-home-affordable-loan-modification.html 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 to rent Wed, 24 Mar 2010 22:19:35 GMT http://www.mortgage-modification-answers.com/how-can-we-find-out-if-we-are-elligible-to-lower-our-monthly-mortgage-payment.html I appreciated reading some of your articles, very informative and easy for the non-banking person to understand, thank you. Could you please email me Wed, 24 Mar 2010 21:58:28 GMT http://www.mortgage-modification-answers.com/i-requested-loan-modification-but-chase-increased-my-monthly-payment.html I have been in touch with Chase for the last seven months. Chase has offered a trial period payment for three months however the trial period payment Sun, 21 Mar 2010 09:39:18 GMT http://www.mortgage-modification-answers.com/is-this-a-government-loan-modification-or-an-alternative-loan-modification-from-our-lender.html 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 for Sun, 21 Mar 2010 09:03:05 GMT http://www.mortgage-modification-answers.com/hardship-loan-modification.html Prequalify for hardship loan modification even if you do not qualify for the Government Making Home Affordable Modification Program. You may qualify for FasTrac Hardship Loan Modifications Sun, 14 Mar 2010 13:52:05 GMT http://www.mortgage-modification-answers.com/when-should-i-stop-trying-to-modify-my-loan-with-wells-fargo.html I have been in two trial loan modification periods so far trying to get a mortgage modification from Wells Fargo. Mad medical problems from me and my Mon, 08 Mar 2010 08:54:23 GMT http://www.mortgage-modification-answers.com/starting-a-trial-loan-modification-with-chase-bank-on-an-upside-down-mortgage.html I just filled out the paper work for a loan modification with Chase Bank. I am also now on a 90 day trial period with a lower monthly mortgage payment. Mon, 08 Mar 2010 00:25:23 GMT http://www.mortgage-modification-answers.com/can-chase-still-foreclose-while-in-a-trial-modification.html OR Can Chase Foreclose Instead Of Modifying My Loan? If a trial loan modification is not approved as permanent at the end of the trial modification period: Thu, 04 Mar 2010 01:20:04 GMT http://www.mortgage-modification-answers.com/index.html Get real answers to the real questions on loan modification, mortgage modification, government help with mortgage and mortgage foreclosure questions. Can I get a loan modification to save my home? Thu, 04 Mar 2010 00:47:45 GMT http://www.mortgage-modification-answers.com/trial-loan-modification-period-what-an-owner-cannot-do.html 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 for Wed, 03 Mar 2010 23:11:21 GMT http://www.mortgage-modification-answers.com/refinancing-after-a-loan-modification.html If I do a loan modification, can I refinance later on or will it be a problem. Mortgage Loan Modification Answer: To Refinance or Modify Loanby Loan Wed, 03 Mar 2010 23:09:41 GMT http://www.mortgage-modification-answers.com/extending-the-length-of-my-home-mortgage-loan.html 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 payments Wed, 03 Mar 2010 23:02:15 GMT http://www.mortgage-modification-answers.com/Loan-Modification-blog.html#How-To-Do-Your-Own-Loan-Modification <h1 style ="text-align: center;">How To Do Your Own Loan Modification</h1> There are a lot of <a href="http://678d76x4tju0kh3vtcgmv0sa91.hop.clickbank.net/?tid=BLOGLET" target="_blank">DIY Loan Modification Guides</a> and ebooks on the market. Most are not worth the memory space they are recorded on. I used to read them all until I got fed up with the garbage. Most were just re-writes of someone else's ebook. Some how at the end of it all you it never answered the question "What do I do now to save my home?" <h2 style ="text-align: center;">This Guide Is The Exception To The Rule Occasionally I come across a product I think is good. The <a href="http://678d76x4tju0kh3vtcgmv0sa91.hop.clickbank.net/?tid=BLOGLET" target="_blank">60-minute Loan Modification</a> is that product and <strong>will walk you through the loan modification process from start to finish.</strong> Real Insider Advice On Negotiating A Loan Modification</h2> I have been doing Loan Modifications for a while now and I know that the first offer from the lender rarely is a good deal. It is almost an iron clad <strong>Loan Modification Insider Rule No. 1 "Never take the first lender offer."</strong> Mike Rockwood knows what he is talking about and his guide <a href="http://678d76x4tju0kh3vtcgmv0sa91.hop.clickbank.net/?tid=BLOGLET" target="_blank">60-minute Loan Modification</a> is the first time I have seen real insider advice on negotiating with your lender. Mike even includes phone recordings of negotiations with lenders as well as 60 days of coaching so you get the best loan modification possible. <h2 style ="text-align: center;">Get Walked Through Your Loan Modification From Start To Finish</h2> I am not kidding when I say this guide will walk you through the entire loan modification process from start to finish. This guide is worth every penny you spend on it. <h2 style ="text-align: center;">Everything You Need To Do Your Own Loan Modification</h2> If you plan on doing your own loan modification this is the guide that you want to have at your side to get the loan modification that you need. Everything you need is supplied plus 60 days of coaching and the priceless lender negotiation recordings so you find out exactly what to say to your lender when their offer is a joke. (These recordings are worth more than the entire cost of the guide, it took me years to learn everything that Mike is laying out for you here.) I will not go into all the details, see for yourself go to <a href="http://678d76x4tju0kh3vtcgmv0sa91.hop.clickbank.net/?tid=BLOGLET" target="_blank">60-minute Loan Modification</a> and decide for yourself. My advice: If you are going to do your own loan modification <a href="http://678d76x4tju0kh3vtcgmv0sa91.hop.clickbank.net/?tid=BLOGLET" target="_blank">60-minute Loan Modification</a> is the guide to have. <strong>After you buy, read and submit your loan modification, let me know if you agree with me.</strong> Tue, 02 Mar 2010 02:49:18 GMT http://www.mortgage-modification-answers.com/Loss-Mitigation.html Information you need on - what is loss mitigation, what is the loan loss mitigation process and ways you can benefit from the process. Fri, 26 Feb 2010 01:46:17 GMT http://www.mortgage-modification-answers.com/can-i-lower-my-modified-loan-payment-by-getting-cheaper-insurance-and-lowering-my-property-tax.html 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 same? Wed, 24 Feb 2010 05:37:21 GMT http://www.mortgage-modification-answers.com/payments-and-grace-periods-after-loan-modification.html After your loan modification is approved and you have been sent back the signed Mortgage Loan Modification Agreement, what happens to the grace period? Wed, 24 Feb 2010 04:55:49 GMT http://www.mortgage-modification-answers.com/calculation-of-gross-income-if-self-employed.html We were offered a Permanent Loan Modification, however the monthly payment is 40 higher than the trial payment with no explanation. I have feed back Wed, 24 Feb 2010 04:34:27 GMT http://www.mortgage-modification-answers.com/confused-by-chase-bank-1st-and-2nd-loan-modification.html I have a first and second mortgage with Chase. About 2 yrs ago I tried working with them to modify since I was running out of places to borrow money to Sun, 14 Feb 2010 10:04:19 GMT