Zillow Advice RSS: Question-Discussion-Guide,Loan Modifications,MA http://www.zillow.com/advice/MA/mortgage-loan-modifications/question-discussion-guide/mortgage/?s=0 Zillow Advice search results | Zillow Real Estate we qualified and applied for a loan modification chase turned us down is there an org to help? http://www.zillow.com/advice-thread/we-qualified-and-applied-for-a-loan-modification-chase-turned-us-down-is-there-an-org-to-help/352185/ So, if I'm understanding the reasons they gave you, they feel that you can afford the current mortgage. &nbsp; Is that not the case? &nbsp; <br/><br/>We'd all prefer not to be underwater or prefer to have a lower interest rate, but if they think you are able to pay, they aren't giving away the store.&nbsp; It is really really hard to get a modification.&nbsp; <br/><br/>&nbsp;<br \><br \>0 replies Mon, 31 May 2010 22:04:00 GMT http://www.zillow.com/advice-thread/we-qualified-and-applied-for-a-loan-modification-chase-turned-us-down-is-there-an-org-to-help/352185/ 2010-05-31T22:04:00Z If i am in a fha home modification that helped lower my mortgage with money owed put on the back of http://www.zillow.com/advice-thread/If-i-am-in-a-fha-home-modification-that-helped-lower-my-mortgage-with-money-owed-put-on-the-back-of/497305/ 0 replies Sat, 15 Jun 2013 20:36:00 GMT http://www.zillow.com/advice-thread/If-i-am-in-a-fha-home-modification-that-helped-lower-my-mortgage-with-money-owed-put-on-the-back-of/497305/ 2013-06-15T20:36:00Z What can I do to get more (or better) quotes for my loan request ZR-QYNKMMB http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-QYNKMMB/338149/ My original <a href="http://www.zillow.com/mortgage/">mortgage</a> holder is willing to write a letter on my behalf that payment has been consistent in the interim before <a href="http://www.zillow.com/mortgage-glossary/Credit-Report/">credit report</a> is corrected. Following <a href="http://www.zillow.com/loan-modification/">loan modification</a>, the process has not allowed computers to correct everything to reflect accurately. (What appears as late payments is actually inaccurate computer report).<br \><br \>3 replies Sat, 27 Mar 2010 10:14:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-QYNKMMB/338149/ 2010-03-27T10:14:00Z Mortgage Broker in Boston area for HARP 2.0 http://www.zillow.com/advice-thread/Mortgage-Broker-in-Boston-area-for-HARP-2-0/436361/ looking to refinance my mortgage. I meet all of the qualifications for HARP 2.0 - jsut want a good LO who has done it before. Thanks&nbsp;<br \><br \>2 replies Fri, 23 Mar 2012 15:12:00 GMT http://www.zillow.com/advice-thread/Mortgage-Broker-in-Boston-area-for-HARP-2-0/436361/ 2012-03-23T15:12:00Z Are there any goverment programs to help laid off americans http://www.zillow.com/advice-thread/Are-there-any-goverment-programs-to-help-laid-off-americans/233324/ I was wondering if there are any goverment programs ARRA. I have heard of homeowners who are out of work through no fault of there own getting rate reductions. I am current on my <a href="http://www.zillow.com/mortgage/">mortgage</a> and have good credit. I am laid off due to the recession and i think that was the intention of the programs To help people until they get back on there feet. If there are programs who would i talk to. Thanks for your help.<br \><br \>1 reply Sun, 10 May 2009 14:47:00 GMT http://www.zillow.com/advice-thread/Are-there-any-goverment-programs-to-help-laid-off-americans/233324/ 2009-05-10T14:47:00Z What are my modification or refinance options without my second lender subordination? http://www.zillow.com/advice-thread/What-are-my-modification-or-refinance-options-without-my-second-lender-subordination/363879/ Is the appraised value enough for both mortgages?<br \><br \>0 replies Thu, 26 Aug 2010 19:03:00 GMT http://www.zillow.com/advice-thread/What-are-my-modification-or-refinance-options-without-my-second-lender-subordination/363879/ 2010-08-26T19:03:00Z Waiting period to purchase home after loan modification http://www.zillow.com/advice-thread/Waiting-period-to-purchase-home-after-loan-modification/500995/ I would start by setting down with a loan officer to see where you are with your credit.&nbsp; If the credit report is not correct, you need to work on correcting it first.&nbsp; On the loan modification, was there a new lending note created or was the modification a temporary one?<br/><br/>Depending on what mortgage product, he will need a certain amount of months of on time mortgage payments.&nbsp; A loan officer can help find all your options.&nbsp; You will need to bring your current loan documents to the loan officer to review.&nbsp; This is a common question for a loan officer so you should get to answer pretty quick.<br/><br/><br \><br \>0 replies Tue, 09 Jul 2013 15:51:00 GMT http://www.zillow.com/advice-thread/Waiting-period-to-purchase-home-after-loan-modification/500995/ 2013-07-09T15:51:00Z i like to know about home remodification http://www.zillow.com/advice-thread/i-like-to-know-about-home-remodification/375654/ Each lender has it's very own loan modification department.&nbsp; If you look at your mortgage statement it should have a number to call.&nbsp; Call that number and ask&nbsp; to speak to their modification department.&nbsp; They should ask you some questions and I am almost positive they'll have to mail you a package with forms to fill out.&nbsp; You'll have to fill out the forms and supply the requested documentation.&nbsp; I also think it would be a good idea for you to ask them if they have a local help center where you could go in and sit down and talk to a live person.&nbsp; I am sorry for your hardship and wish you the best - the process may take some time but be assertive and don't give up.<br/>Sincerely,<br/>Celia<br \><br \>0 replies Sun, 21 Nov 2010 05:26:00 GMT http://www.zillow.com/advice-thread/i-like-to-know-about-home-remodification/375654/ 2010-11-21T05:26:00Z I am looking to sell my house and buy a new one. Can I ask to close in 90 days, not sooner? http://www.zillow.com/advice-thread/I-am-looking-to-sell-my-house-and-buy-a-new-one-Can-I-ask-to-close-in-90-days-not-sooner/379525/ Thank you.&nbsp; I am more looking to get a longer closing on&nbsp;a new house and am worried about the mortgage company agreeing to the loan if I ask to close in 90 days, not sooner.&nbsp; I can sell sooner and do a short term rental if need be, but due to work and children's school, I don't want to move into the new house until later.<br \><br \>0 replies Tue, 04 Jan 2011 15:46:00 GMT http://www.zillow.com/advice-thread/I-am-looking-to-sell-my-house-and-buy-a-new-one-Can-I-ask-to-close-in-90-days-not-sooner/379525/ 2011-01-04T15:46:00Z To get a loan modification they ask only for a hardship letter or evidence too? http://www.zillow.com/advice-thread/To-get-a-loan-modification-they-ask-only-for-a-hardship-letter-or-evidence-too/299761/ Thank you for your feedbacks, I thought so too. The reason I asked is because when I called my <a href="http://www.zillow.com/directory/lenders/">mortgage company</a> to see if I can refinance, they directed me to <a href="http://www.zillow.com/loan-modification/">loan modification</a> group, to give the fax number to fax my documents for the HOPE program. I am current of my payments, I have my job and I did not mention any financial hardship, so I was wondering if I am missing something. My next question is a <a href="http://www.zillow.com/refinance/">refinance</a> question and i will post it in the refinance section.<br \><br \>0 replies Fri, 20 Nov 2009 03:17:00 GMT http://www.zillow.com/advice-thread/To-get-a-loan-modification-they-ask-only-for-a-hardship-letter-or-evidence-too/299761/ 2009-11-20T03:17:00Z In the Home Affordable Refinance program why are condos in multi unit complexes ineligible? http://www.zillow.com/advice-thread/In-the-Home-Affordable-Refinance-program-why-are-condos-in-multi-unit-complexes-ineligible/248139/ I actually don't see an issue with it being a condo.<br/><br/>With respect to <a href="http://www.zillow.com/mortgage/">Mortgages</a> secured by units in a Condominium Project or Cooperative Share Mortgages, the Seller does not need to again represent and warrant that the Project meets <a href="http://www.zillow.com/mortgage-glossary/Freddie-Mac/">Freddie Mac</a> eligibility requirements as of the Delivery Date of the Freddie Mac Relief <a href="http://www.zillow.com/refinance/">Refinance</a> Mortgage.<br \><br \>0 replies Sun, 21 Jun 2009 16:09:00 GMT http://www.zillow.com/advice-thread/In-the-Home-Affordable-Refinance-program-why-are-condos-in-multi-unit-complexes-ineligible/248139/ 2009-06-21T16:09:00Z Why is it taking 2 yrs to get home affordable loan? http://www.zillow.com/advice-thread/Why-is-it-taking-2-yrs-to-get-home-affordable-loan/390608/ I never implied that the world revolves around me and this site, so I thought, was more professional, never did I expect such judgement. I have a hunch that you all work for a mortgage company, lol. Funny how when people need help, programs are offered but rarely given, and when one is forced to swallow pride and ask, can be judged so harshley.<br \><br \>0 replies Mon, 14 Mar 2011 00:58:00 GMT http://www.zillow.com/advice-thread/Why-is-it-taking-2-yrs-to-get-home-affordable-loan/390608/ 2011-03-14T00:58:00Z