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Answers (1)
- Benny Smith, "bennysmith1"
- Contributions:177
I have ran accross severel people over the years with numbers similar with yours. I am going to be blunt here. Not to hurt anyone but to recommend action on your part. You are working with a lender who will forclose and leave it to someone else to put you out. Without bringing this account current you will not be able to stay there. If you are unable to bring your payments current you need to attempt to sell and hope for a short sell. The inverstors who back these loans will never here your story. That person on the other line is following well practiced scripts and has no power to help. What happened in your live will have no effect on what they do. I feel these are facts you need to keep in mind when working toward what is best for you and your family. Good luck to you.
Is anything possible to lower rate/monthly payments?
144K owed, 19 yrs more on mtg; 9.75% no taxes escrowed, drive-by comps at $140; Beneficial HSBC holds Mtg, out of mtg business and will not do refi; two months (30) late during time out of work without pay full time for 4 weeks, then another 8 weeks on part time pay (just ended hardship pay plan, they won't renew it) Need permanent solution. Moving not an option.
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