Foreclosure and Loan Modification Blog

Successful Loan Modification Roundup Week of 10/13/17

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are a few of their stories.

Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on Twitter (#loanmodwow) or Facebook. Here are some of our results from this week with Cenlar, Home Point Financial, Seterus, Freedom Mortgage, and Citi:

Cenlar

Our Cenlar client was 12 months and $22,362 past due on mortgage, now has an FHA-HAMP loan modification with massive $401.66 monthly savings!

Successful Loan Modification Roundup Week of 8/4/17

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are a few of their stories.

SPS

Our SPS client was $9,015 past due on mortgage, but now has a final loan modification with $625.61 lower monthly payment and 3.2% lower interest rate!

Successful Loan Modification Roundup Week of 5/19/2017

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are a few of their stories.

Chase

Our Chase clients were 20 months and $49,308+ past due on mortgage, now they have a permanent HAMP mod with $594.23 monthly savings and 0.65% lower interest rate!

Citi Denied a Loan Modification for Years until We Demanded Fair Treatment

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners, here is one of their stories.

In March 2014 we were hired by a homeowner in Trenton NJ, whom I'll call Ramon Delgado to protect his privacy, who needed help saving his home from foreclosure.

Mr. Delgado, like most homeowners, didn't want to default on his mortgage with Citi, but a significant loss of income forced him into a situation where he couldn't make his house payments.

He was able to recover from his hardship and regain the ability to pay his mortgage. However, after falling so far behind, Citi didn't want him to resume making regular mortgage payments. They wanted a big check for all the missed payments plus fees, which he didn't have the cash to do. So he remained in default even though he could have made payments. This is a common scenario.

Successful Loan Modification Roundup Week of 3/31/17

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are a few of their stories.

Nationstar

Final in-house loan modification, with $218 lower monthly payment and lower interest rate, approved for our Nationstar client who was past due $29,994 on their mortgage.

Successful Loan Modification Roundup Week of 2/3/17

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners. Here are a few of their stories.

Seterus

Our Seterus client was $65,635.71 past due on mortgage with $970.91 monthly payment and high 8.25% interest rate. Now they have a final loan modification with $783.70 payment and low 3.5% interest rate for $187.25 savings!

4 Things To Know About Loan Modifications With Citi

Are you having a hard time paying your mortgage? Have you already defaulted? If you want to keep your home you should look into getting a loan modification to avoid foreclosure and get your mortgage back to normal. A loan modification can even result in a lower monthly payment and principal forgiveness or forbearance.

To get a loan modification you'll need to work with your loan servicer, which is the company that takes your payments, credits your account, and forecloses on you when you stop paying.

But your servicer isn't necessarily the owner of your loan. That's the investor, and they're the one that has the power to approve or deny your loan modification application.

Some companies, like Ocwen, only service loans, and don't invest in any loans. But some banks, like Citi (aka Citigroup or Citibank), could be both the servicer of and investor in a mortgage, or just one and not the other.

Citigroup is one of the “big four” banks in the U.S. along with Wells Fargo, Bank of America, and JPMorgan Chase. Citi is involved in a lot of mortgages, many of which have defaulted on at one point. We've helped many homeowners who have a mortgage with Citi save their their home through a modification.

[fa icon="clock-o"] Tuesday, November 8, 2016 [fa icon="user"] Maxwell Swinney [fa icon="folder-open'] loan modification, citi loan modification

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners, here are a few of their stories.

Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on Twitter (#loanmodwow) or Facebook. Here are some of our results from this week, which include results from Nationstar, SPS, Wells Fargo, and others:

Nationstar

8 years behind on mortgage payments to Nationstar, our client was approved for a loan modification with lower payment and interest rate, $88k principal forgiven, and $265k deferred!
This in-house loan modification got our Nationstar client a fresh start with a cheaper payment and 2% lower interest rate!

Successful Loan Modification Roundup Week of 8/26

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners, here are a few of their stories.

Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on Twitter (#loanmodwow) or Facebook. Here are some of our results from this week, which include results from Greentree, Seterus, Ocwen, and others:

Seterus

Our client was in foreclosure and $45k past due on payments to Seterus, but we helped them get a trial loan modification with a lower interest rate!

Successful Loan Modification Roundup Week of 8/19

Disclaimer: These results should not be taken as a guarantee, as each case is unique. We have helped over 7,000 homeowners, here are a few of their stories.

Every week we obtain loan modifications for our clients with a variety of loan servicers. You can see these results as they are announced on Twitter (#loanmodwow) or Facebook. Here are some of our results from this week, which include results from Bank of America, Seterus, Ocwen, and others:

Foreclosure and Loan Modification Blog

Successful Loan Modification Roundup Week of 10/13/17

Cenlar

Successful Loan Modification Roundup Week of 8/4/17

SPS

Successful Loan Modification Roundup Week of 5/19/2017

Chase

Citi Denied a Loan Modification for Years until We Demanded Fair Treatment

Successful Loan Modification Roundup Week of 3/31/17

Nationstar

Successful Loan Modification Roundup Week of 2/3/17

Seterus

4 Things To Know About Loan Modifications With Citi

Successful Loan Modification Roundup Week of 9/2

Nationstar

Successful Loan Modification Roundup Week of 8/26

Seterus

Successful Loan Modification Roundup Week of 8/19

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