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I am 3 months behind in my mortgage payments,my mortgage company denied my loan modification.:First in a letter they say because of my credit then I called them and ask why i was denied and i was told that they don't help if you are only 60 days behind.The person who help me send the loan modification application wont return my calls or emails after i let her a voice masage that my loan modification was deinied.please help
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Simplified catch-22.Banks will not modify the loan if they know you can pay the full amount anyway. So without serious default, there's not much chance.But if in serious default, then banks want to foreclose and auction off the property to get their money.Tough to win unless a knowledgable professional (usually an attorney) is hired to look at all aspects and deal with the bank on your behalf.Raheel Shahzad, Attorney, CPA, Real Estate AgentLombard, IL
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