Can I get a loan modification if I am not behind

get a loan modification if i am not behind

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Contact from Los Angeles California:

Due to my mothers and my own illnesses I missed time at work. I used all of my sick and vacation time. I also was unable to do overtime that I normally did. As a result I have fallen behind on my mortgage. My mother is going into long term care and my health has improved. I am able to now work regular hours with overtime when needed. I just want to save my home. foreclosure help in Los Angeles

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City: Campsprings
State: Maryland
County: Prince George’s

my mother passed, we couldn’t locate her will.  she was married 2 my step father for 10 years. the home was purchased in 1963, and was solely deeded and titled in her name only. my step father would not allow my brother and i 2 sell the home, she had just refinanced the home 2006, this done in her name only, for $225,000.00. my step father left the property 1 month after her death of breast cancer. leaving my brother and I to attempt 2 pay a 2,250$ mortgage payment. he was named the executor of my mothers estate. he didn’t do anything to save her home my brother has 6 children and makes $10 hourly, I  only made $12 myself. my brother and I could only the utilities, we are deeply aggrieved by what has happened. please help! our mother told us her will was on her home computer, he took that with him! my mother was an accountant ,and very strong willed, she handled all business herself. so, my brother and I didn’t know what our rights were or what to do. Countrywide Loan Modification an attorney should be contacted if this is your situation

City: Baltimore
State: Maryland
County: Baltimore City

My mortage raised and at that time I was only bringing home 700 every two weeks and I could not juggle the payments. I called to seek help but never got a response back. I went to a local agency and the lady just push my case aside. But now I am making much more money and will be able to handle the mortage.

City: Chicago
State: Illinois
County: Cook

Spent savings to save my mother’s home then I lost my job. Got another job but still payed for mother’s house because she got laid off. Situation put me a year behind on my own mortgage but I thought I could file bankruptcy (ch.13) and pay back. Then got audited by the IRS, child support payments went up and mortgage rate adjusted to $300 more monthly. Bankruptcy payment adjusted beyond what I could pay monthly so it got dismissed 2 weeks ago. I owe $169,000 on the house. It last appraised for $195,000 in 2007. Countrywide mortgage company. I can move my brother in with me in November ($300/month more) and I get a salary increase in January 2009 (7% or $350/month more). We need foreclosure help in Chicago.

When an individual is in the middle of losing one of the most important items in their life, we see most people act in ways that they would never act in normal circumstances. This should be expected. It is natural to be fearful, scared and worried. This is the exact reason you hire our company to do this for you. When trying to deal with your own problems, you can become your biggest problem. The loss of sleep, irritability, poor production at work, family arguments and possible divorce don’t have to happen. None of this has to be part of your life. When you hire our company, we give you a chance to focus on what you do best while we handle what we do best, your foreclosure and your stress!!! Let us handle these problems.  That is what we love to do and that is what we do best!

Time:
The foreclosure process may seem easy to someone that does not understand what it entails. When trying to accomplish this alone, many homeowners find horrible agonizing issues with the loss of time trying to solve this problem.  Faxing documents to the bank, trying to make calls on your lunch breaks, not knowing who to talk to, getting disconnected from the bank and many many more! Again, this does not have to happen.  Make the right decision now and get rid of this burden you are holding. We know what it takes for you to be successful, so call now and let us handle your problem!

Look to us for foreclosure options

We have helped many homeowners stop foreclosure, below are some contact that we have helped.

City: chicago
State: illinois
County: cook

foreclosure help in Chicago

My husband lost his job and our income decreased which we struggled to stay afloat.  We missed June, July, and soon August.  We need a fresh start-modification?I will be returning to work next week and my husband is self employed and income is getting better.  However, we can’t gather enough money for those 3 months and Citimortgage has warned us of a possible foreclosure. foreclosure help with Citimortgage

City: Houston
State: Texas
County: Collin

Stop foreclosure in Houston

I purchased my home in July, and lost my job in Oct. I was unable to secure another position until July, only to lose that position in Oct. Both of these positions were at a regional level in healthcare, and unfortunately this industry hits hard times like all others, and my positions were actually eliminated to cut costs. I have just now started a new position in a different sector of the industry and have a VERY stable position as Chief Nursing Officer. I had to live off my savings for all but 7 months of the past 30 months, which is extremly difficult for anyone to do successfully. my mortgage company is awful to work with, and I have reached the point where I do not see any light at the end of the tunnel.   Nation Point is the mortgage company. Stop Foreclosure

City: Port Arthur
State: Texas
County: Jefferson

Stop foreclosure in Texas

we are in foreclosure and behind 5 months we can afford the note,we just had some medical issues come up and we got off track. we are in foreclosure with Texas state bank, help stop foreclosure

City: Sultan
State: Washington
County: Snohomish

Got a Notice of Default in mail. We are Currently 3 months behind on the mortgage. Will be able to make this months on the 25th. Lost good paying job and haven’t been able to find a job making what I was making. Only working part time at this moment. Added expenses, fuel prices, food and Hay all going up.

I purchased the home in 2004 and was making payments.  I fell behind in 2006 because I lost my job.  I couldn’t make the payments.  By the time I started working again, it was too late. I wasn’t making enough to cover both mortgages (Citimortgage and Litton Loan Servicing).  I tried to sell it by doing a short sale.  Citimortgage was willing to work with me, but Litton never got back to my lawyer and the buyer pulled out because she was wondering why it was taking so long for everything to come through.  Litton loan modification agreements with payments way higher than the original mortgage! There is a pending date in September for a sale date but I have not received anything official in the mail.  The only way I find out information concerning my property is if I call the companies.  Citimortgage has already begun garnishing my pay check and they never gave me any notice.  I have yet to hear from Litton.  The only way I knew that the house was in foreclosure was because I checked my credit report and there is a judgment against me from Citimortgage.  I want to save the house and am willing to make payments but they need to be reasonable. I just had a baby and although I am working now, I need lower monthly payments.  I want to save the house.  My husband and I can make payments if the payments are low and if there can be one payment instead of two. The mortgages are with Citimortgage and I need foreclosure help with Litton Loan servicing. How to keep a home in foreclosure

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City: Baltimore
State: Maryland
Zip Code: 21206
County: usa

Stop Foreclosure in Baltimore

We had some mishap, since 2007, my wife lost her mother, which she had to stop working to care for her. After her mother death she was not handling it very well. She started a new job and had to quit because she was having carbuncle tunnel symptoms in both her hands which require injection and wearing hand brace to help with the pain. Now she might require surgery in order for her to take on a full time job again. So have been really trying to avoid foreclosure, we almost lost our home early this year, but was able to acquire the back payment from my 401k. But we still need her to reduce our payments which would help us allot before the rates increase on our Adjustment payment. We really need your help in getting back on our feet with worries about our home, our debts to pay are slow or not all because we now face, high prices or gas, electric bill, water bill and car insurance. We are holding steady,but struggling making our mortgage payment, which other things are suffering. need help to keep our home and avoid foreclosure

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City: Yorba Linda
State: California
Zip Code: 92886
County: Orange County Foreclosure

Stop Foreclosure in California

Bought house paid 136,500.00 with 33,000.00 down have about 108,000.00 current payoff. My loan started with an ARM loan at 8.50% and has reseted twice and now is 12.25%. I was lated once in two years and wanted to refinance but was told I was late three times. after my rate jumped my payments started to be late since I was at the top of my ability to pay at the beginning. I have contacted my mortgage co. many times with no help to get to a fix rate. I have at least 30,000.00 equity Im close to losing and I just cant add more a month to catch up my loan at this payment. In the past two months I have been on short term disability due to health and only getting 70% of my pay. Please help me get a loan modification with Homecomings Financial

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City: Monrovia
State: CA
Zip Code: 91016
County: Los Angeles

Foreclosure help in Los Angeles

Bought home from financially troubled family, with the intent of moving in with my girlfriend, who had to sell her home first before she could move.  Our relationship ended, and I was left with the home myself – so I decided to let the distressed family stay as long as they made payments.  They did, for awhile, and then the main earner had health problems, I ate thru my savings trying to keep up with payments, so much so that I did not have enough money for lawyer, or so I thought.  Now I am past the point of evicting them, and the auction date is a week and a half away. As stated, made premature plans for the future with my girlfriend, and then was left holding the entire mortgage in my name.  Also, lost my job and was without employment for a number of months, so I ate thru my savings.

We have also started referring homeowners that need short sale help to a company that has been very successful at stopping foreclosure with a short sale. If you can not afford your home but want to keep a foreclosure off of your record than a short sale is the way to go. Do not just walk away get short sale help and keep the foreclosure off of your record.

below are homeowners we have helped stop foreclosure

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I lost my job last October i found a new one in January but I am behind on my house payment, my assesments, my gas and electric and I can’t aford to go to work everyday because my gas in my car is high, and I can’t get rid of it I am upside down 10,000.  I fell behind because I was out of work for three months
in need foreclosure help in Los Angeles

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MY mother became ill and we fell behind on our 2nd mortgage payments. Our first mortgage is also behind and I am currently working with them on a loan modification. The second mortgage company we reached an agreement or so I thought and I did as they instructed but they went ahead with the foreclosure anyway. I would like to have time to sell my home, please I need short sale help. Union New Jersey is where I am located.

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