Dear Blaise Blastos,
An attorney will cost you alot of $$'s, when you can do the same thing for yourself and truly express your hardship. Call your lender and ask for the loan modification dept. This could take a few phone calls to get through. I wouldnt leave a message. Try calling at odd tmes of the day, ealry morning or after 7pm.
Then ask them for the following:
A. Loan Modification requirements and paperwork ( once you receive the paperwork then complete this and send it back to them certified mail). Ask them how long the process will take once they receive the paperwork? What qualifies you for this loan modification?
or if you are selling or needing to sell your home
B. Short Sale paperwork and requirements (loss mitigation dept for this)- I am not sure if you are in a short sale/selling situation, if you are have them mail you the documentation. If you are selling your home in the future and via a short sale...please do not fall into the hands of scams that are out there. A qualified "short sale" real estate agent will assist you. Any other service I would be aware of.
Try these company's to for help:
http://www.hopenow.com/
http://www.hud.gov/foreclosure/index.cfm
Good Luck!
Best regards,
C. Wargo
- Wed May 27 2009, 17:35