Zillow Advice: Refinance - Any luck with Hudson City Savings Bank Loan Mod? http://www.zillow.com/advice-thread/Any-luck-with-Hudson-City-Savings-Bank-Loan-Mod/449360/ Zillow Advice | Zillow Real Estate last I heard they were looking ... http://www.zillow.com/advice-thread/Any-luck-with-Hudson-City-Savings-Bank-Loan-Mod/449360/ last I heard they were looking to sell there mortgages to fannie and freddie Mac before merger.Did anyone else hear about this?? Thu, 02 Oct 2014 22:55:00 GMT http://www.zillow.com/advice-thread/Any-luck-with-Hudson-City-Savings-Bank-Loan-Mod/449360/ 2014-10-02T22:55:00Z &nbsp;How long did it take ... http://www.zillow.com/advice-thread/Any-luck-with-Hudson-City-Savings-Bank-Loan-Mod/449360/ <ul style="text-align: left;" class="signature-list"><li style="margin: 0px; padding: 0px; font-size: 1em; display: inline-block;" class="first-line clearfix">&nbsp;How long did it take you to get served from the time you were late?</li></ul> Tue, 26 Aug 2014 19:11:00 GMT http://www.zillow.com/advice-thread/Any-luck-with-Hudson-City-Savings-Bank-Loan-Mod/449360/ 2014-08-26T19:11:00Z Regardless it's another process ... http://www.zillow.com/advice-thread/Any-luck-with-Hudson-City-Savings-Bank-Loan-Mod/449360/ Regardless it's another process they have to go through. Could take months. Tue, 26 Aug 2014 03:39:00 GMT http://www.zillow.com/advice-thread/Any-luck-with-Hudson-City-Savings-Bank-Loan-Mod/449360/ 2014-08-26T03:39:00Z Served with what? http://www.zillow.com/advice-thread/Any-luck-with-Hudson-City-Savings-Bank-Loan-Mod/449360/ Served with what? Tue, 26 Aug 2014 03:28:00 GMT http://www.zillow.com/advice-thread/Any-luck-with-Hudson-City-Savings-Bank-Loan-Mod/449360/ 2014-08-26T03:28:00Z Hi all,I just got served ... http://www.zillow.com/advice-thread/Any-luck-with-Hudson-City-Savings-Bank-Loan-Mod/449360/ Hi all,<br/>I just got served today and i have no idea what to do next<br/>Can anyone help me with some advise, how long time do i have until the sheriff shows to kick me out ?<br/>Thanks Tue, 26 Aug 2014 00:24:00 GMT http://www.zillow.com/advice-thread/Any-luck-with-Hudson-City-Savings-Bank-Loan-Mod/449360/ 2014-08-26T00:24:00Z I fought for two years and ... http://www.zillow.com/advice-thread/Any-luck-with-Hudson-City-Savings-Bank-Loan-Mod/449360/ I fought for two years and then they made a motion for summary judgement. &nbsp;It got really hairy then. &nbsp;The problem was that there wasn't any real defense. &nbsp;They never sold the mortgage, never transferred it, "bad faith" doesn't count as long as they are by the book. &nbsp;I did declare Ch. 7 to get rid of my debt, and was lucky that the economy turned and my business started to pick up in the nick of time. &nbsp;Plus, I saved every nickel I made so I had (1) the right income to debt ratio, (2)showed money in the bank, and (3) the house appraised at 95% of the loan value. &nbsp;<br/><br/>They are aware that the Courts are not happy with their past performance although they also know they have no power to force them to do anything. &nbsp;<br/><br/>The good news is, it's apparently possible if you can pull it all together, stay on it, resubmit applications over and over (I did it 4 times), have patience, and pray. &nbsp;A lot. Sat, 23 Aug 2014 20:06:00 GMT http://www.zillow.com/advice-thread/Any-luck-with-Hudson-City-Savings-Bank-Loan-Mod/449360/ 2014-08-23T20:06:00Z Has anyone been in the foreclosure ... http://www.zillow.com/advice-thread/Any-luck-with-Hudson-City-Savings-Bank-Loan-Mod/449360/ Has anyone been in the foreclosure process with HCSB? How long does it take from when you are served?&nbsp; Sat, 23 Aug 2014 19:21:00 GMT http://www.zillow.com/advice-thread/Any-luck-with-Hudson-City-Savings-Bank-Loan-Mod/449360/ 2014-08-23T19:21:00Z "I love my little home.&nbsp;"I ... http://www.zillow.com/advice-thread/Any-luck-with-Hudson-City-Savings-Bank-Loan-Mod/449360/ "I love my little home.&nbsp;"<br/><br/>I am so glad that it worked out for you. I guess I just wish that the lenders were willing to do a better job working with owners like you who want to stay. It would be nice. Fri, 22 Aug 2014 19:05:00 GMT http://www.zillow.com/advice-thread/Any-luck-with-Hudson-City-Savings-Bank-Loan-Mod/449360/ 2014-08-22T19:05:00Z it isn't a great deal, but ... http://www.zillow.com/advice-thread/Any-luck-with-Hudson-City-Savings-Bank-Loan-Mod/449360/ it isn't a great deal, but I know that renting would cost me close to the same amount monthly and owning give me an opportunity to continue to build equity as the value of my property has already increased from the low it was at when I took out the loan in 2008. &nbsp;I did try a chapter 13, but when I added the cost of the trustee to the payment, it became ridiculously prohibitive and the bank told me they wouldn't consider modifying if I was in bankruptcy, so I dismissed the action. &nbsp;you need to get to the head of the department, dave villero, and speak with him. &nbsp;be NICE, be persistent. &nbsp;also your house has to appraise at 95% of the loan value; I had an appraiser come to my house before i submitted the application so i knew it was in the range of where it needed to be AND I used the appraiser that they use so I knew there couldn't be any games. &nbsp;They are Lauritano Appraisal services in Babylon NY (I live in Long Island) but if you call the bank and ask who their appraisers are, they will tell you. &nbsp;I also reworked my tax return and minimized all deductions to show the income I needed; it cost me on that end to file the amended return and pay the extra taxes, but IMO it's all worth it. &nbsp;I love my little home. &nbsp;&nbsp; Fri, 22 Aug 2014 17:37:00 GMT http://www.zillow.com/advice-thread/Any-luck-with-Hudson-City-Savings-Bank-Loan-Mod/449360/ 2014-08-22T17:37:00Z I tried using NACA, their ... http://www.zillow.com/advice-thread/Any-luck-with-Hudson-City-Savings-Bank-Loan-Mod/449360/ I tried using NACA, their offices in Newark. They take your info and submit it to the bank but they don't follow up with you.&nbsp;You have to consistently follow up with them, they never remember you. &nbsp;I never got any help from them. Fri, 22 Aug 2014 17:33:00 GMT http://www.zillow.com/advice-thread/Any-luck-with-Hudson-City-Savings-Bank-Loan-Mod/449360/ 2014-08-22T17:33:00Z