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Need help? The only way to know for sure is ask.
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A Firm Committed to doing business only one way ..... "The Right Way"
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Braxten Smith
of CA
@
Sep 22, 2009 18:40:30 PM
I JUST WANT TO HELP
Obtaining a loan modification from your lender can be tricky. Let me teach you how to wrestle the sharks (your lender) and WIN!!!!
If you need professional help with your mortgage modification and want to use someone who will look out for your best interests and not any of these fly by night scammers you will find on the internet, then please call: 760-586-2413
If you want and can do this yourself, then keep reading and get ready for the good FIGHT! I wish you the best of luck and remember to never give up your American Dream.
2.2 Million homeowners may face foreclosure over the next couple of years. Many borrowers are stuck in these toxic adjustable rate mortgages and they cannot refinance out of them as their payments are going through the roof.
When you become late on your mortgage or you are facing foreclosure, dealing with your lender can be much like dealing with Guido and his band of mobsters that think breaking knees in better than working things out where everyone wins.
So, I thought it would be great to give homeowners some and the tools plus the education to assist them through this rough time. The tools I lay out here will allow you to FIGHT back against these unscrupulous lender loss mitigation departments and WIN!
For immediate help or questions , go to this link:
PLEASE READ AND COMMENT ON MY BLOG HERE'S THE LINK
http://rjfinancial.tripod.com/modhelp/
THERE IS A LOT OF FREE INFO ON THAT BLOG AND ITS VERY EDUCATIONAL. I WANT TO SAVE AS MANY HOMEOWNERS AS POSSIBLE, BUT I ALSO WANT TO EDUCATE SO WE DONT GET IN THIS MESS AGAIN SO PLEASE CHECK IT OUT!!!!!!
1-760-586-241
C.JONES
of DC
@
Aug 11, 2009 03:10:20 AM
pay my mtge on time
it might not work for everybody but I was relentless on sending in new paperwork and did ask for help through the new home affordable program through O'Bama program. Although they did not use tht program they lowered my 1st from 9% to 4.5% 30yr fixed. but added on the 15 months I didn't pay any thing along with fees but payment went from 1800 to 1400. Still have a 2nd mtge that hasn't been settled yet but I applied for the O'Bama program for the 2nd because according to the 17 pages I read that the gov would pay the mtg co and that the 2nd would be extinguished.Well we will see if that happens.
kevin
of IL
@
Jul 31, 2009 20:12:46 PM
Private Mortgage Modification Companies
I was just reading through the comments on this board and thought I'd share the experience my wife and I had dealing with a private mortgage modification company in Philadelphia after attempting to get a modification on our own. We called National Mortgage Modification, www.nationalmortgagemod.com after my wife's colleague recommended them. We originally tried getting our mortgage modified on our own but after 3 months we received a rejection letter in the mail and at that point we were late and our savings were almost gone. I was skeptical at first given all the negative press we were reading on the private mortgage modification industry as a whole, but after talking with one of their consultants and then visiting their office we decided to give them a shot. They were honest and open with us from day 1 and they made the application process much less stressful than when we tried it on our own. Not only that - they showed us what we had done wrong the first time we applied for a modification and they helped us with our application to obtain a new, affordable mortgage payment. So for other readers that want the best shot possible at obtaining a modification, I recommend giving the people at NMM a call. They'll tell you right off the bat if you have a chance or not. 888-799-0797.
Jeremy Flick
of PA
@
Jul 22, 2009 18:00:58 PM
Sometimes it just makes sense to sell
Sometimes it just makes sense to sell your house and move on.
You can buy another house in a few years when your credit is restored.
Your home will be upside down for many years in most areas of the USA.
A better option maybe to actually sell your home and rent for sometime.
We have perfromed an analysis of how you might save over $500,000 dollars by
taking the short sale option rather than a loan modification.
You can call us direct on 1-619-631-4546 with any questions
Troubled Property Solutions
www.619shortsale.com
simon
of CA
@
Jul 22, 2009 01:52:14 AM
I PAY MY MORTGAGE ON TIME
I have been trying to refinance my home since January and have not been able to do so because I don't fit into a program. Which I don't understand. I do pay my mortgage on time but it is climbing rapidly and I would like to head off forclosure. I am not behind, so:
-I don't fit into the forclosure modified payment program.
-I don't fit into the refinancing program set up by HUD. The value of my home has dropped about 29,000 dollars.
-I can't refinance because I did get an appraisal (400.00) down the drain and the programs out there do not want you to get an appraisal.
-I was told that I could not refinace because I had a paper mortgage??? I have no idea what this means.
-I have two mortgages so therefore I cannot refinance because they don't have a program for two mortgages to be combined.
Does someone out there know of a program that I could look into before I do have to go into forclosure. I would think that this administration would want to help before people do get to the forclosure stage. Which is where I am going because of the increase in the mortgage payments.
Irene
of CO
@
Jul 21, 2009 18:04:52 PM
No Help For Those Who Paid On Time
The Goverment is not the problem is the Damn banks. I have a rental property that is with WAMU/Chase and they told me the only thing they can do is offer me a repayment plan. Are you sreious, of cousre you would let me pay back the late payments but why should I continue to pay for soemthig that is over 30k underwater if no wants to help me. Screw the lenders they are the reason we are here in the first place and if they forelcose that will cost them not me I have a house. I have been trying to do the right thing while these companies post billion dollar profits give me a break with this garbage. In these banks the left hand has no idea what the right is doing and that is just the start of the problem. I hvae been waiting for over 6 months for a work out opition and I keep being told just wait a little bit. 6 Months is more thena little bit and they still offered me nothing. I hope these lendors learn a lesson but I know they wont because they still make money while the rest of us lose what we have. WAMU/Chase I hope you realize that you need people to pay there bills so you stay in buisness and at this poit I wont I give you another dime of my hard earned money.
Sean W.
Sean W.
of CO
@
Jul 21, 2009 13:45:33 PM
why do we do the right thing, again???
i am in a situation where my income has been reduced by 40 %, my expenses continue to rise, and i couldn't re-fi my home when interest rates dropped recently because 5/7 homes in my neighborhood went short sale/foreclosure and my equity tanked on my home that i put $80,000 when i built it 5 yrs ago.
of course, to makes matters worse...my income dropped and now NOBODY wants to touch me because despite a credit score of 780, i look like a huge risk. so again...let my ask...why should i continue to do the right thing and attempt to keep on paying my bills on time while it keeps my up all night wondering how i can afford to buy toilet paper for the house when we run out?
i didn't ask for a handout...just the opportunity to refi on my mortgage which i thought was a no-brainer seeing as though i have fought to keep my credit rating impeccable.
so why, when foreclosure and bankrupcies are so trite, should i keep on going??!! is there anybody out there with some answers to help those of us that are just barely keeping on track navigate through all of these programs that are supposedly going to help homeowners stay in there homes BEFORE i need to fall 6 months behind on my mortgage to finally get the bank to return my phone calls?
why would a bank want to foreclose on a home or take a short sale on a home instead of working with the current homeowner that wants to stay in the house? why do we do the right thing??!! why is all of this fully of ironies instead of commom sense?! is anybody out there listening??!!
p kelley
of MA
@
Jul 21, 2009 10:35:29 AM
Banks Not Lending To Investors on their Investment Properties Anymore. HELOC's are a Major part of the Market Recovery
As investors tried to assist the market by buying, renavating, and renting or reselling of the properties to the first time homebuyers, which was helping in the economy by putting renovation companies as in Electricians, Plumbers, Heating and Air Conditioning, Roofing, Painter's, Construction Companies to work.
This was saving small companies, jobs and putting money back into the Economy. The banks stoped doing HELOC's for the Investment Properties, thus not allowing investors to purchase other investment properties or have the funds available to get the work done unless they go for a regular loan at more than double, and sometime triple the interest rate, thus eating up all of the small profit that would be left from the HELOC after Taxes.
So now many Investors are shut down and in turn everyone who worked with and for them are losing thier much needed income. From Contractors to Real Estate Agents, to Attornies and Closing Agents, and all the business that rely on them like Building Supply companies, etc.
advannawheree of AL @ Nov 01, 2009 08:21:20 AM
Braxten Smith of CA @ Sep 22, 2009 18:40:30 PM
C.JONES of DC @ Aug 11, 2009 03:10:20 AM
kevin of IL @ Jul 31, 2009 20:12:46 PM
Jeremy Flick of PA @ Jul 22, 2009 18:00:58 PM
simon of CA @ Jul 22, 2009 01:52:14 AM
Irene of CO @ Jul 21, 2009 18:04:52 PM
Sean W. of CO @ Jul 21, 2009 13:45:33 PM
p kelley of MA @ Jul 21, 2009 10:35:29 AM
Why of VA @ Jul 21, 2009 10:14:22 AM
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