Zillow Advice RSS: Question-Discussion-Guide,Loan Modifications,OR http://www.zillow.com/advice/OR/mortgage-loan-modifications/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate How long should I wait to buy again after loan modification? http://www.zillow.com/advice-thread/How-long-should-I-wait-to-buy-again-after-loan-modification/502079/ My Husband lost his job and we quickly fell behind on our mortgage/bills. Our credit is so terrible we can't even qualify for a small loan. Our bank was wonderful and worked with us while he was on Unemployment and we recently got approved for a loan modification. We can not wait to sell our home and buy something bigger with more space for our family but aren't sure when we might be able to qualify for a mortgage again? Any ideas or information would be so helpful. Thank you!<br \><br \>2 replies Tue, 16 Jul 2013 02:01:00 GMT http://www.zillow.com/advice-thread/How-long-should-I-wait-to-buy-again-after-loan-modification/502079/ 2013-07-16T02:01:00Z anyone heard of Brian Linnekens, a lawyer that does loan modifications? http://www.zillow.com/advice-thread/anyone-heard-of-Brian-Linnekens-a-lawyer-that-does-loan-modifications/357019/ 76 replies Thu, 08 Jul 2010 20:32:00 GMT http://www.zillow.com/advice-thread/anyone-heard-of-Brian-Linnekens-a-lawyer-that-does-loan-modifications/357019/ 2010-07-08T20:32:00Z How much is my home actually worth? http://www.zillow.com/advice-thread/How-much-is-my-home-actually-worth/472289/ I am attempting to work with my mortgage company to modify my loan. &nbsp;They have been great. &nbsp;But, I wish I could get a realistic estimate of the value. &nbsp; The market is supposedly getting better, but I also don't want to pay more in property taxes, and on the mortgage if is not worth it.<br \><br \>1 reply Fri, 28 Dec 2012 00:03:00 GMT http://www.zillow.com/advice-thread/How-much-is-my-home-actually-worth/472289/ 2012-12-28T00:03:00Z We need some help. We are having difficulties making our large mortgage payment each month. help http://www.zillow.com/advice-thread/We-need-some-help-We-are-having-difficulties-making-our-large-mortgage-payment-each-month-help/442207/ Is there any place out there that will help us?<br \><br \>11 replies Wed, 09 May 2012 21:24:00 GMT http://www.zillow.com/advice-thread/We-need-some-help-We-are-having-difficulties-making-our-large-mortgage-payment-each-month-help/442207/ 2012-05-09T21:24:00Z what is a 4056 T form http://www.zillow.com/advice-thread/what-is-a-4056-T-form/418339/ 2 replies Thu, 06 Oct 2011 18:53:00 GMT http://www.zillow.com/advice-thread/what-is-a-4056-T-form/418339/ 2011-10-06T18:53:00Z OK to rent my condo after I finalized my loan modification? http://www.zillow.com/advice-thread/OK-to-rent-my-condo-after-I-finalized-my-loan-modification/412738/ The final paperwork on the loan modification specifically states that I must be the primary residence, what if I got a job offer and have to move, can I rent the condo? will I loose my modification?<br \><br \>6 replies Mon, 22 Aug 2011 19:12:00 GMT http://www.zillow.com/advice-thread/OK-to-rent-my-condo-after-I-finalized-my-loan-modification/412738/ 2011-08-22T19:12:00Z Income to consider in the modification. http://www.zillow.com/advice-thread/Income-to-consider-in-the-modification/411170/ My daughter and myself are on the home loan.&nbsp; I have lived in this house for 27 years.&nbsp; My daughter had to leave to find work in another state, and basically cannot contribute any funds towards the mortgage.&nbsp; Would my income be the income to consider the monthly payments?<br \><br \>1 reply Thu, 11 Aug 2011 03:06:00 GMT http://www.zillow.com/advice-thread/Income-to-consider-in-the-modification/411170/ 2011-08-11T03:06:00Z How do I access NPV on the Zillow site? http://www.zillow.com/advice-thread/How-do-I-access-NPV-on-the-Zillow-site/392292/ B of A Making home Affordable told me I can get NPV for my property through Zillow.<br \><br \>2 replies Fri, 25 Mar 2011 20:52:00 GMT http://www.zillow.com/advice-thread/How-do-I-access-NPV-on-the-Zillow-site/392292/ 2011-03-25T20:52:00Z What can I do to get more (or better) quotes for my loan request ZR-HDHBMMY http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-HDHBMMY/368674/ 2 replies Mon, 04 Oct 2010 00:49:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-HDHBMMY/368674/ 2010-10-04T00:49:00Z where does zillow get there information? http://www.zillow.com/advice-thread/where-does-zillow-get-there-information/366777/ 1 reply Sat, 18 Sep 2010 03:29:00 GMT http://www.zillow.com/advice-thread/where-does-zillow-get-there-information/366777/ 2010-09-18T03:29:00Z Been in house 22 years. Apr. year ago for 245,000, owe 200,000 @ 6.65. income 65-BA won't mod/refi. http://www.zillow.com/advice-thread/Been-in-house-22-years-Apr-year-ago-for-245-000-owe-200-000-6-65-income-65-BA-won%27t-mod-refi/362314/ Can't get anyone to refi as BA is forclosing. Went from apr value of 345,000 in 2005 to 245,000 in 2009 to 184,000 today. Owe 195,000 plus 10,000 in back payments. Put 40,000 into house in '05 with refi money--now I've lost 200,000 equity in 4 years,lose my house next month. Thank you Wall St and Banks, and thanks for the help Obama. I pray for carma for all you bastards.<br \><br \>6 replies Mon, 16 Aug 2010 13:33:00 GMT http://www.zillow.com/advice-thread/Been-in-house-22-years-Apr-year-ago-for-245-000-owe-200-000-6-65-income-65-BA-won%27t-mod-refi/362314/ 2010-08-16T13:33:00Z I'd like to know how much my house is worth. http://www.zillow.com/advice-thread/I%27d-like-to-know-how-much-my-house-is-worth/336615/ <p>The address is 51165 sw scoggings valley rd, gaston, or, 97119<br/>Thank you for any assistance in this matter.</p><br \><br \>1 reply Tue, 23 Mar 2010 06:23:00 GMT http://www.zillow.com/advice-thread/I%27d-like-to-know-how-much-my-house-is-worth/336615/ 2010-03-23T06:23:00Z I am looking for the value for a 3 bedroom, 2.75 bath, 1500 square foot home close to the 185th and http://www.zillow.com/advice-thread/I-am-looking-for-the-value-for-a-3-bedroom-2-75-bath-1500-square-foot-home-close-to-the-185th-and/316838/ 5 replies Thu, 21 Jan 2010 02:58:00 GMT http://www.zillow.com/advice-thread/I-am-looking-for-the-value-for-a-3-bedroom-2-75-bath-1500-square-foot-home-close-to-the-185th-and/316838/ 2010-01-21T02:58:00Z Good Credit, Terrible Loan...what are our options? http://www.zillow.com/advice-thread/Good-Credit-Terrible-Loan-what-are-our-options/301791/ Three years ago my husband &amp; I bought a house.&nbsp; Because of false information on our <a href="http://www.zillow.com/mortgage-glossary/Credit-Report/">credit report</a>, we had terrible credit &amp; got a terrible loan (2 mortgages, 8% on first mortgage, 11% on second mortgage, &amp; the first loan is a ARM).&nbsp; Since then, the value of our home has dropped &amp; we have 0 equity built up.&nbsp; <br/><br/>On the flip side, we both have great credit now (in mid to high 700s), and we've built up a nest egg of about $18,000.&nbsp; But, every month we're hemorrhaging money on this loan.&nbsp; What options do we have?&nbsp; Our <a href="http://www.zillow.com/directory/lenders/">mortgage company</a> denied a <a href="http://www.zillow.com/loan-modification/">loan modification</a>, we've been denied refinancing with two different companies.&nbsp; We don't want to stay in this home forever, &amp; would love to sell it and find a house where we can start a family &amp; feel secure again, but we can't both sell the home at a loss &amp; afford a down payment on our next home.&nbsp; Any ideas?&nbsp; Do you know any organization that's set up to help a family like ours?&nbsp; We're in this no-man's land where we can afford our payment, but we're also stuck with an awful situation.<br/><br/>Would love to hear your advice!<br \><br \>12 replies Thu, 26 Nov 2009 21:34:00 GMT http://www.zillow.com/advice-thread/Good-Credit-Terrible-Loan-what-are-our-options/301791/ 2009-11-26T21:34:00Z I need to refi or get a loan modification (not sure)... http://www.zillow.com/advice-thread/I-need-to-refi-or-get-a-loan-modification-not-sure/291419/ My income has declined dramatically since 9/08 but my husband's job is steady. I am also going back to school and am about to accept a school <a href="http://www.zillow.com/mortgage/">loan</a>. We have one of those "option arm" <a href="http://www.zillow.com/mortgage/">loans</a>. We have been on time with our <a href="http://www.zillow.com/mortgage/">mortgage</a> payments, but have had to cut back to the minimum payment. I'm also about to drop my health insurance, which I don't want to do, but may have to in order to afford the mortgage. After contacting my mortgage co. twice and being treated with hostility and rudeness, I no longer wish to work with them. (Is there someone I can report them to?) What can I do?<br \><br \>11 replies Sun, 25 Oct 2009 19:20:00 GMT http://www.zillow.com/advice-thread/I-need-to-refi-or-get-a-loan-modification-not-sure/291419/ 2009-10-25T19:20:00Z We're being defrauded by a lender with a 2nd lien on our home. http://www.zillow.com/advice-thread/We%27re-being-defrauded-by-a-lender-with-a-2nd-lien-on-our-home/286420/ My husband has a lot of equity, but we can't refi because we're both unemployed. Our only strategy right now is to find an attorney to handle the company (possibly get the <a href="http://www.zillow.com/mortgage/">loan</a> transferred to a more honest lender?) We need more options &amp; we need guidance PLEASE! Thanks.<br \><br \>7 replies Thu, 08 Oct 2009 11:04:00 GMT http://www.zillow.com/advice-thread/We%27re-being-defrauded-by-a-lender-with-a-2nd-lien-on-our-home/286420/ 2009-10-08T11:04:00Z EMC Forcing People Into Foreclosure http://www.zillow.com/advice-thread/EMC-Forcing-People-Into-Foreclosure/282099/ <p class="ecxMsoNormal" style="text-align: right;">What is going on with the new Obama <a href="http://www.zillow.com/loan-modification/">Loan Modification</a> program with banks is insane! I submitted all my paperwork for a modification to EMC <a href="http://www.zillow.com/mortgage/">Mortgage</a> last March, had to resubmit it again (it was obsolete by this point) in July and still nothing has happened. Now it is almost October and they are asking for it again. &nbsp;I can't get them to give me any information regarding where it stands nor have they called me once regarding its status. I thought going into this the Obama loan modification plan was suppose to be a fast process meant to keep people in thier homes and out of foreclosure? At this point I believe EMC is purposefully delaying and stonewalling people into <a href="http://www.zillow.com/homes/for_sale/fore_lt/">foreclosure</a> for the monthly late fees. It obviously is not benefiting them to expedite the modification process.&nbsp;&nbsp;I've tried leaving messages with supervisors, but still no reply. Does anyone know of any other possible recourse or organization to complain to?&nbsp;</p><br \><br \>5 replies Fri, 25 Sep 2009 00:20:00 GMT http://www.zillow.com/advice-thread/EMC-Forcing-People-Into-Foreclosure/282099/ 2009-09-25T00:20:00Z B of A won't let me modify. they will refi my loan. anyone get them to modify ; and if so how? http://www.zillow.com/advice-thread/B-of-A-won%27t-let-me-modify-they-will-refi-my-loan-anyone-get-them-to-modify-and-if-so-how/261624/ B of A&nbsp; keeps telling me I&nbsp; don't qualify for the modifying program; when I do. they insist on a&nbsp; refi <a href="http://www.zillow.com/mortgage/">loan</a> with points and a higher loan amount that includes all the fees and cost of the loan. my payments are 60% of my gross pay now. they only want to reduce it to 50%. when the modify program says 31% is the max. any ideas on how to get them to follow the rules of the program? they want the refi because it makes them more money.<br \><br \>8 replies Tue, 28 Jul 2009 17:43:00 GMT http://www.zillow.com/advice-thread/B-of-A-won%27t-let-me-modify-they-will-refi-my-loan-anyone-get-them-to-modify-and-if-so-how/261624/ 2009-07-28T17:43:00Z Loan modification http://www.zillow.com/advice-thread/Loan-modification/255602/ I had bought a home 2&nbsp; 1/2 years ago now being foreclosed. I tried for <a href="http://www.zillow.com/loan-modification/">loan modification</a> as my <a href="http://www.zillow.com/mortgage/">mortgage</a> is extremely high.&nbsp; 2200 a month for a 284,000, 1178 sf house. I would like to know what would allow for loan modification, as I turned in my financial papers, and what was asked for, and the bank did not seem to feel it would work.&nbsp; I want to know is it income, credit score, what would require the bank to lower the mortgage to 1300 a month? Thank you. carla_rayne@yahoo.com<br \><br \>3 replies Mon, 13 Jul 2009 02:30:00 GMT http://www.zillow.com/advice-thread/Loan-modification/255602/ 2009-07-13T02:30:00Z I have an ARM interest only. The current rate is 5.25%. The modification date is Sep. 2010. Should I http://www.zillow.com/advice-thread/I-have-an-ARM-interest-only-The-current-rate-is-5-25-The-modification-date-is-Sep-2010-Should-I/251303/ Should I refinace or wait?<br \><br \>4 replies Tue, 30 Jun 2009 05:44:00 GMT http://www.zillow.com/advice-thread/I-have-an-ARM-interest-only-The-current-rate-is-5-25-The-modification-date-is-Sep-2010-Should-I/251303/ 2009-06-30T05:44:00Z