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Q: this is test for replyPosted By: saeedmail@yahoo.com on Sat 28, 2009 4:08 PM
A: its working ok ... More
Q: in mortgage biz 21 years--how does my company realtors,attorneys get compe...Posted By: BestRateHere@aol.com on Mar 24, 2009 03:24PM
Q: wHAT ARE THE FEES INVOLVED?Posted By: RUTH on Mar 18, 2009 02:07PM
A: This depends on the company you choose to go with. The fees typically vary ... More
Q: How much do they typically lower the interest rate and do they base the pay...Posted By: nancydh6 on Mar 16, 2009 01:11PM
A: This really depends on several factors the most important being: 1) Your cu ... More
Q: Does a 10 year interest only and a 9.85% 2nd qualify for loan modification?Posted By: snovak1977@yahoo.com on Mar 13, 2009 02:08PM
A: it is not actually the "type" of loan and interest rate that determines you ... More
Q: How do I contact your office?Posted By: Louise Matthews on Mar 13, 2009 09:46AM
A: You can e-mail us at info@loanzonline.com.
Q: I have been late on my last months payment 10days after the grace period. I...Posted By: mailman on Mar 11, 2009 08:52PM
A: Best candidates for loan modifications are homeowners who are 1 or 2 mortga ... More
Q: i have a 80/20 loan will i be able to get a modification for both loan or j...Posted By: mailman on Mar 11, 2009 08:47PM
A: Yes, if they are both with one lender, it is a lot easier. Typically the m ... More
Q: does countrywide have a loan modification program? Posted By: mailman on Mar 11, 2009 08:46PM
A: They sure do. the number we have for their loss mitigation is: Countrywide ... More
Q: I have owned by home since 1986 and I paid it off in 1991 and had no mortga...Posted By: Nevada2009 on Mar 11, 2009 05:30PM
A: I am not really sure about "Home Equity only" loans. Most of what we have  ... More
Q: I am a senior with a pension of total $1800 a month. Does that qualify as ...Posted By: ruffsoft on Mar 09, 2009 12:33PM
A: Sure! has your mortgage rate increased or you experienced any other financ ... More
Q: Me and wife are employed and with a stable job.But due to some unexpected ...Posted By: Columbia on Mar 05, 2009 04:53PM
A: It looks as if you are a good candidate for loan modification. SInce your  ... More
Q: After purchasing my home in 1998 I became disabled. I receive social securi...Posted By: jl1026 on Mar 05, 2009 10:03AM
A: Well, the reason they ask about your employment, is because for the lenders ... More
Q: I called my Mortgage Co for a loan modification because my taxes just about...Posted By: parisgirlonly on Mar 03, 2009 05:05PM
A: Also to add to this point, they may have denied the modification if they se ... More
Q: Can I start a loan modification if my house is in short sale?Posted By: beto on Mar 02, 2009 03:38PM
A: Yes, if the loan gets modified, it will just cancel out the short sale.
Q: If my wife just lost her job can we still do our loan modification? Posted By: loanmod4me on Mar 02, 2009 12:46PM
A: If your wife's job contributed a good portion to your monthly income where  ... More
Q: How can i obtain the One Touch Modofication Program offered by Citimortgage...Posted By: erjrinla@aol com on Mar 02, 2009 11:55AM
A: Here is the phone number for Citimortgage's loss mitigation department: (8 ... More
Q: I'm more than 12mts late with my mortage because I can't afford it, can I s...Posted By: help please on Feb 27, 2009 04:46AM
A: It's going to depend on your specific situation. There is no set criteria f ... More
Q: Me and my husband owne 2 houses one in which we live, and the other we are ...Posted By: Jessica on Feb 25, 2009 12:43PM
A: we can help you www.savingamericanhomes.net
Q: If I got a loan modification about a year ago can I ask for another onePosted By: michaelsupplies on Feb 24, 2009 05:05PM
A: Sure. It depends on the lender, but if you have held up your end of the ba ... More
Q: If you are under a loan modification program with your mortgage company, ca...Posted By: homehunters on Feb 24, 2009 09:11AM
A: Yes, when your loan is modified, it is permanent and you can think of it as ... More
Q: How much does a loan modification cost? If I'm 14mts late on my mortage and...Posted By: ddookhoo1@aol.com on Feb 24, 2009 07:23AM
A: The cost depends on the company you work with, but they general range betwe ... More
Q: We really need help but I do not know where to turn. Our mortgage co. sent...Posted By: Jackie on Feb 11, 2009 06:24PM
A: First off, i recommend to STOP worrying. Worrying does not help anything a ... More
Q: I qurrently agreed on a loan modification, but it was more than i was payin...Posted By: kirby on Feb 11, 2009 09:36AM
A: It sounds like they have their head up their you know what. This is crazy. ... More
Q: Has anyone used a company called Better Home Relief? Posted By: concerned on Feb 10, 2009 02:09PM
A: Modfraud.org is a private mod company. BEWARE!
Q: I just lost my job and it is unlikely that I will get another one paying as...Posted By: pablodgar on Feb 10, 2009 12:28PM
A: I believe so. PLease keep in mind that 3 conditions must exist to make you ... More
Q: should you work with a company for loan modification within the state you ...Posted By: concerned on Feb 09, 2009 07:56PM
A: Not necessarily although it might help on several fronts: same timezone, s ... More
Q: How do I choose a company to use for loan modification? There are so many ...Posted By: concerned on Feb 09, 2009 07:51PM
A: You might also want to check out www.modfraud.org. They provide a free ser ... More
Q: can you qualiofy for this program if u filed bankruptcy recently Posted By: felisha on Feb 07, 2009 03:12PM
A: Yes you sure can. That is, if you are atill emploed and can make a pratial ... More
Q: Are you a mortgage company? I don'tknowwhat is going on with the bankruptc...Posted By: dshadel4 on Feb 06, 2009 07:16PM
A: The best thing to do would be to fill out the form on this site: www.loan- ... More
Q: I'm currently upside down on my mortgage. My 1st mortgage is $417K / fixed ...Posted By: mda1128 on Feb 04, 2009 09:55AM
A: Whatr I would suggest is fill out the form on loan-modificaiton411.com and  ... More
Q: From your experience, are lenders supposed to lower the interest rate to he...Posted By: isacin on Feb 03, 2009 10:30AM
A: I have seen them both. in cases where the interest rate is already low (li ... More
Q: We have two houes last year we got divoce he keep one and I am living in th...Posted By: jjjcommunications on Feb 02, 2009 05:10PM
A: Well, unfotunately and realistically from what I hear from you on your situ ... More
Q: What is the impact of loan modification on credit history? How soon can a p...Posted By: curioushomeowner on Jan 31, 2009 10:23AM
A: Well the actual loan modification itself does not have any effect on your c ... More
Q: Hi, I have my own business and have been waiting for my clients to pay me.I...Posted By: Mochi on Jan 30, 2009 03:44PM
A: I think a loan forebearance might be a better fit you since you expect to g ... More
Q: I submitted a request for loan modification to my current lender of 6 years...Posted By: Hope on Jan 30, 2009 09:34AM
Q: if a husband and wife are getting divorced and husband is to retain the hou...Posted By: ewingdalep on Jan 29, 2009 02:24PM
A: Well, technically there is no NEW mortgage. When you do a loan modificatio ... More
Q: what states require that a lawyer does the loan modification? Posted By: jeffgorelick on Jan 29, 2009 12:32PM
A: The rules and regulations are constantly changing and it is difficult to sa ... More
Q: I wonder: He is behind in payments due to a major wage reduction..I make de...Posted By: Hopeful on Jan 29, 2009 07:38AM
A: I believe you are a good candidate for loan modificaiton since he has suffe ... More
Q: I am doing a mod with a company from this site. The negotiator is telling m...Posted By: Leftee on Jan 26, 2009 03:24PM
A: Well it is really hard to tell exactly what the bank is going to do, but co ... More
Q: do you have to be behind on your payments to get an modificationPosted By: mrdazz on Jan 25, 2009 08:30PM
A: Well, although not an absolute requirement, it certainly helps a lot with y ... More
Q: I WOULD LIKE TO DO A LOAN MODIFICATION DUE AN ADJUSTABLE RATE MORTGAGE. I ...Posted By: USQUEEN915 on Jan 24, 2009 11:03AM
A: Bankruptcy should always be your last resort. You should do a full analysi ... More
Q: I AM THINKING OF GETTING A HOME MOD. LOAN DUE TO THESES HARDSHIPS. I AM SEP...Posted By: daigette on Jan 23, 2009 06:00PM
Q: what is your fee - my loan balance is $435,000 and i am 1 month late.Posted By: badger2007 on Jan 21, 2009 12:01PM
A: Depending on which company you go with, fees range from 2000 to 3000.
Q: i am currently getting verification of income that my mortgage co has asked...Posted By: huddinsan1 on Jan 21, 2009 10:45AM
A: Well, my personal opinion is that you do have a good chance of getting a lo ... More
Q: After a sheriff sale can you still get a loan modification if your lender h...Posted By: mdneal on Jan 17, 2009 07:21AM
A: The short answer is No. Once the property is bought back by your bank, you ... More
Q: My friend and I bought a house for 2 years now. We are not in good terms an...Posted By: flower on Jan 12, 2009 09:29PM
A: This is a unique situation. The fact that both you and your friend are earn ... More
Q: Do you conduct a forensic audit before you start negotiating with the lende...Posted By: Harvey on Jan 11, 2009 06:30PM
A: Some loan modification companies use the forensic loan audit as a strategic ... More
Q: When doing a loan modification will the value of the home loan be modified ...Posted By: Bella on Jan 09, 2009 11:08AM
A: Every loan modification has its own unique set of parameters. Any/all of w ... More
Q: I am currently in a interest only loan. My loan wil not adjust until Decem...Posted By: dlynne11 on Jan 07, 2009 06:56PM
A: The question is whether or not you can afford your current mortgage payment ... More
Q: how much do you charge for loan modification and do you charge in advance o...Posted By: damo on Jan 05, 2009 10:20AM
A: We actually do not charge any money. We are only connecting you to compani ... More
Q: we filed bankruptcy in march 08 and i have been laid off we got behind 2 pa...Posted By: ryanrobb66 on Jan 01, 2009 10:14AM
A: So as I understand, you are now unemployed? If so, that makes it a bit mor ... More
Q: Lost my job and have new employment at a much lower income. Mortgage payme...Posted By: GeorgiaLoan on Jan 01, 2009 09:19AM
A: Thank you. But I guess I was not clear. I have been told by a loan mod co ... More
Q: Deed is on Husband and Wife but Wife is on the mortgage loan only. This is ...Posted By: nov8dbay on Dec 30, 2008 10:17AM
A: Yes, as long as thye both live in the house, want to keep the house, have e ... More
Q: I would like to find out which companies have the best track record for loa...Posted By: Renea on Dec 30, 2008 08:55AM
A: Well, this is a very difficult question as it really depends on the given c ... More
Q: We have our home since November 1998 we never missed any payment. I just ha...Posted By: manoeugene on Dec 26, 2008 07:14PM
A: Let me start by asking whether or not you would like to keep this house eve ... More
Q: We have the loan principal balance 475K with appraisal value of the house o...Posted By: elenroz on Dec 23, 2008 11:31AM
A: Well, it seems that you certainly have enough equity in your home to refina ... More
Q: I lost my job recently, but I am still current in payment. My wife's job br...Posted By: Jalal on Dec 20, 2008 09:06AM
A: Well, as you might expect the "best" possible candidate for a loan mod is a ... More
Q: can i get another modification within a one year periodPosted By: fred on Dec 18, 2008 10:30PM
A: We have actually seen several loan modifications that were negotiated in th ... More
Q: I lost my job but have found new employment at a much lower income (commiss...Posted By: williamg on Dec 18, 2008 12:03PM
A: Yes this is true for the most part. As a general rule lenders is concerned  ... More
Q: I pay the mortgage but my son is on the loan.and he doesnt live there.I hav...Posted By: vjz on Dec 16, 2008 09:01AM
A: You do not have to be behind to get help. If you foresee yourself having tr ... More
Q: Can I apply for loan mod with a equity loan on the property?Posted By: vjz on Dec 15, 2008 11:49AM
A: Yes, but it is obviously not as "clean" as your first mortgage lender would ... More
Q: Can you get a loan modification even if you have only had your home for 7 m...Posted By: randa0813 on Dec 15, 2008 09:06AM
A: Well, sure. Remember, there are 3 components necessary for a mod. 1) You  ... More
Q: If I have a second home and it use to be rented and now it does not rent an...Posted By: eddy on Dec 12, 2008 10:22AM
A: Well, although there are no real hard and fast "rules" so to speak, but in  ... More
Q: I'm a single mom with 3 kids, i have my home on short sale right now and wo...Posted By: tgarcia on Dec 10, 2008 11:44AM
A: Well the key question is whether or not you still have any kind of income.  ... More
Q: When you do a short sale are you able to remain in your home? This company ...Posted By: Need Help on Dec 08, 2008 07:15AM
A: short sale means your are selling so you can't stay in the property the onl ... More
Q: Do you need an attorney to do a loan modification? Can I call myself and re...Posted By: Need Help on Dec 08, 2008 07:02AM
A: Yea of course you can do it yourself. Is it going to happen highly unlikely ... More
Q: If the lender agrees to do the loan modification are you still paying the o...Posted By: Need Help on Dec 08, 2008 07:00AM
A: Yes you are you are just changing the terms on loan... ex: interest,length  ... More
Q: What other cost will be incurred if we do loan modification (For example: A...Posted By: hajira on Dec 04, 2008 09:05AM
A: Since a Loan Modification is not a "refinance" or a "new loan", there will  ... More
Q: What happens to the original loan does it freeze and becomes a ghost after ...Posted By: just me on Nov 26, 2008 12:10PM
A: There is no such thing as the "original loan" vs. a "new loan". This is no ... More
Q: Is it possible to get loan modification if you already have a fixed interes...Posted By: vieanblue on Nov 25, 2008 05:04PM
A: Sure. The main purpose of a loan modification is to make your mortgage pay ... More
Q: How much do this loan modification cost?Posted By: starlight on Nov 24, 2008 09:31AM
A: I had answered a similar question to another consumer. The fees differ from ... More
Q: We are current on our mortgage. But my husband's job is in danger and he ma...Posted By: mbradleyrn on Nov 22, 2008 05:23AM
A: Well. it is really tough for me to give you meaningful advice since I do no ... More
Q: Can you start the loan modification process even if you are current with yo...Posted By: homeownersos on Nov 20, 2008 10:17AM
A: The short answer is yes. However, with the shear volume of people looking f ... More
Q: I was hoping to touch base with operations individual to discuss a partners...Posted By: jeffwilks on Nov 19, 2008 09:56AM
A: Jeff, if you would like to discuss partnership opportunities with loan-modi ... More
Q: Have you ever been able to work out a loan modification with FlagStar mortg...Posted By: WorriedHomeOwner on Nov 18, 2008 08:04PM
A: Modifications are a bit tricky because even if you got your mortgage throug ... More
Q: how long is the loan mod process?Posted By: woodhana on Nov 13, 2008 03:44PM
A: This really depends on several facter. Not all loan mods are the same. Th ... More
Q: what is the loan modification rates?Posted By: pooker on Nov 12, 2008 06:42PM
A: I actually answered this on the previous question, but I will cut+paste for ... More
Q: What are the necessary fees to get this process started?Posted By: pivory007 on Nov 12, 2008 07:10AM
A: Well, this really depends on which company you select to go with. I have s ... More
Q: Is there anything else that we can do if the mortgage lender says that they...Posted By: MortgageDummy on Nov 07, 2008 11:27AM
A: This really depends on why the lender denied the loan modification. Can yo ... More
Q: I am in the process of doing a Loan Modification with CitiMortgage. We have...Posted By: showme on Nov 07, 2008 08:36AM
A: Well, if I were you and and i did not ABSOLUTELY need the money, I would no ... More
Q: Can I present the Loan Mod myself to my lender or should I seek the experti...Posted By: nov8dbay on Nov 05, 2008 07:09PM
A: Well, the answer to this question is somewhat difficult. For some people i ... More
Q: We have 3 properties. Our primary residence and 2 others we could not sell ...Posted By: boddenho on Nov 05, 2008 03:46PM
A: As a general rule, your primary residence (home you currently live in) is a ... More
Q: How soon can we expect our payment to decrease?Posted By: PapaJones on Nov 05, 2008 11:59AM
A: Well, this really depends on several factors. Here are the important ones: ... More
Q: WHAT ARE THE FEES FOR DOING A LOAN MODIFICATION AND CAN THEY BE ROLLED INTO...Posted By: RAMIREZ on Nov 05, 2008 11:52AM
A: The fees are differ from company to company. What seems to be the most com ... More
Q: Do lenders modify the loan by reducing the loan amount? I have lost $40,00...Posted By: cookiemix99 on Nov 05, 2008 06:35AM
A: Well, it really depends on your particular lender's loss mitigation policie ... More
Q: Do you know any specifics about the JPMorgan Chase plans?Posted By: PierreA on Nov 04, 2008 10:59AM
A: Here is the link sorry: http://www.boston.com/realestate/news/blogs/renow/2 ... More
Q: Purchased home in 2003 payment was around $1100month. within 2 yrs payment ...Posted By: Maria on Nov 02, 2008 01:04AM
A: Are you still unemployed? If so, it might be a bit tough to get a loan modi ... More
Q: Since losing my job, we depleted our savings to make our payments. I'm now ...Posted By: BrendaKleen on Oct 30, 2008 12:00AM
A: If you can still afford part of your original payment and have had a genuin ... More
Q: Is short sale better or loan mod? Posted By: Bullfight on Oct 25, 2008 11:41PM
A: Well, they are similar in one regard: the fact that a financial hardship o ... More
Q: My wife lost her job in Feb. Adjustable payments got to high and I lost my ...Posted By: Francis on Oct 21, 2008 09:33AM
A: Well, if you are not employed with no income, it will be pretty tough to co ... More
Q: Due to a struggle with depression 2 yrs ago I left my job with Procter and ...Posted By: Dan on Oct 18, 2008 06:23AM
A: It sounds like you have had a life event which definitely constitutes a val ... More
Q: Need info about a loan mod. company. Comp. called ElectGroup, out of FL has...Posted By: KLUDY on Oct 16, 2008 08:13AM
A: Due to the nature of loan modification, it's a recent development in the mo ... More
Q: My husband had lost his job and put us behind in payments. He is now employ...Posted By: Lori on Oct 15, 2008 09:22PM
A: From an employment standpoint, it is a good thing that he is employed again ... More
 
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