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Loan modification with Chase Declined due to my Mortgage being with Ginnie Mae Investors, FHA...
These loan modifications can be extremely difficult to get. I know that ours with Bank of America (with the investor Freddie Mac) took us over a year and a half to get everything done and approved. During that time there were so many setbacks it wasn't even funny. I know of a website, http://www.loansafe.org/ that can give you more specific answers about your particular lender and situation. It was an invaluable resource for me during our modification process.
Good luck to you!
That's probably not the reason it was declined. Don't assume for a minute that the person who told you that knew what they were talking about, even if they did work at Chase. Read my article I just posted at http://hubpages.com/hub/Loan-Modification-free-help
In the majority of cases, the company attempting to do a loan modification does not actually possess your mortgage documents. This is actually a fairly complex situation since I deals with securitization, and the fact that your loan appears to have been securitized - meaning it was sold to investors and the Bank no longer possesses it.
Consider yourself lucky though that they DIDN'T approve it. Far too many "Pretender Lenders" have popped up over the past few years who go through with these loan modifications, take homeowners money, all the while the real Lender hasn't been paid and files foreclosure on the property.
Hope your situation has improved!
by blackbob6 years ago
I am with Bank of america and they have granted me a hardship loan for the next 3 months. What are my chances of getting a loan modification and does anyone really know what the guidelines are I cant get an answer...
by wishingonastar7 years ago
Let me start off by saying that this loan is a Freddie Mac loan. This loan has been sold so many times throughout the 10 years I have lived here. I fell on hard times and tried for a loan modification. My...
by Shepherd's Lamb18 months ago
I just want to discuss what's going on in my little head right now and hope to hear from those of you more educated on the subject.I qualified to buy a condo in 2004 (six years ago). I paid $6,000 cash for...
by texcan7 years ago
We recently went through a loan modification and now owe $195,000 on a house we originally...financed for $180,000. If we have to offer deed in lieu of loan in the future, does that mean we will be taxed on the...
by edsacks7 years ago
I have a several million dollar mortgage; do I qualify for your Loan Modification Program?
by American_Choices6 years ago
Rarely in my lifetime have I had the luxury of knowing who owns my mortgage. Early in the 1990's the mortgages were actively bought and sold. Sadly, the local banker became an intermediary and my mortgage was sold.Now a...
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