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Tom Hinz
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My name is Tom Hinz and I'm the President of Apex Consulting Group. In the business consulting side of our practice, we are licensed consultants in the
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Tom Hinz answered:
If you have just one mortgage and reside in the home, the bank may do a deed-in-lieu, but generally, they are not.
At Chase, they are responsive if you are dealing with the loss mitigation department and have submitted an offer to purchase, contract, proof of funds for the buyer, and all of your financial information required for a short sale or loan modification. For loan mods, Chase is taking at least 8 months now to get a decision...for short sales, it is about 4-6 months. You need to write a powerful hardship letter...it needs to be very honest and to the point.
If you have specific questions, email me at thinz@apexgroupus.com for help - or go to my web faq page for additional info on short sales.
At Chase, they are responsive if you are dealing with the loss mitigation department and have submitted an offer to purchase, contract, proof of funds for the buyer, and all of your financial information required for a short sale or loan modification. For loan mods, Chase is taking at least 8 months now to get a decision...for short sales, it is about 4-6 months. You need to write a powerful hardship letter...it needs to be very honest and to the point.
If you have specific questions, email me at thinz@apexgroupus.com for help - or go to my web faq page for additional info on short sales.
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