Ive been trying to get a modification since Dec. The loan modification will cost us nothing. This cat and mouse game has wells fargo financial worksheet for loan modification been going on since April. We are self-employed and run our own business and have documented our income through months of bank statements. Overall, it would have saved us $200/month, which means that if we did have to move, we could at least rent our house out (we obviously cant sell it now) and not have to pay on it ourselves since the rent money would cover the whole mortgage.

Keep the faith though, surely this may people on one blog means thousands more elsewhere and WtF will get theirs. Leopard loan we are direct payday lenders offering loans from to. Would love to hear from people who are using lawyers wells fargo financial worksheet for loan modification to deal with WF and how that process is going. When we called to check on the status, they asked us for updated financials, and when we told them our financial situation had not changed since we submitted our application a few weeks prior.they said.

We were current on our mortgage without fail until now. Simple mortgage interest calculator to straight interest calculation calculate your mortgage payment and. The cheque printing option in the banking bank check printing menu allows the user to print all the.

I was a model purchaser, put down 20%, made all my payments, kept my house in great condition and this is what I get. Blogs like this show the mood of the people out on the streets and contributors like many of those who have already commented (above) show that there is power in creating a joint voice that demands to be heard. I've a question for Linda (April 04, 2009) - how did the OUTSIDE LOAN MODIFICATION AGENCY intervention WITH WF BANK go.

Same story as most above, I got behind in December of 2008 on my Wells Fargo Mortgage, have paid off last loan of $125000 plus $3000 plus prepayment penalty on privious home. We took out a 5,000 loan paid off our 4 credit cards and still have no refiancing. Finally in December they told us they would put us into a modification program and not to send a payment until Jan. What's going to stop us from walking away, if home prices continue to fall. I opened a case, and fortunately Wells Fargo has people assigned to work BBB cases. Soke with a lady in Loss Modification Negotiator and she said that their cust serv is not component with correct info.

Personally I have come to the conclusion that I am refusing to lose my house, and have reapplied for the modification. I needed to prove I could afford a modification. I cant refi in other ways because I'm 40+ % under water and there were many foreclosures and short sales in my area, so I can't appraise. I filled out the financial worksheet and submitted it.

We too hold a mortgage wells fargo financial worksheet for loan modification through Wells Fargo. Quality control mortgage audit software mortgage auditing checklist legal compliance division that keeps. After much back and forth between my husband and I about whether to continue paying, we decided our April payment would be out last.

If you re struggling to pay your what happens if you can not pay your credit card bill debts, don t ignore the problem. After the 5th meeting when they wanted me to update my credit card payments I find out they sold my note to Kondaur Capital. We need TRUTH IN LOAN MODIFICATION disclosure. Hoekstra's office and was asked by both to file a complaint with the Attorney General's office.

We signed the docs and sent them in along with the 1st payment 17 days before the due date. Well, as soon as our relief actually sank in that we had saved our home, Wells Fargo wells fargo financial worksheet for loan modification sent our check back in the mail with a brief letter stating we didn't qualify. I think the banks are doing the same thing.

This time make sure to think ahead and make an educated and well thought out investment in your future. I am having the same problem with WF, they seem to be helping the prople who are not in problems. I have excellent credit, am not looking for a payment reduction, I just want to refinance or restructure before my 10 year arm expires in 3-4 years, at which point interest rates will likely be MUCH higher and so will my payments. The investor on my loan is NOT participating in Obama's Making Homes Affordable.

We called immediately and found out our house had been foreclosed on July 4th. I told them that if I don't have deficit then I don't need the loan mod but they keep telling me that I have to somehow increase my income or decrease my expense. By the time we discovered it (we use the garage to enter and exit) we had missed the 10 day deadline to return the signed documents with our payment. Husband died in 2007 used up all my savings to make the payment. On april, , someone at wells fargo removed my loan modification i.

At this point, I just don't wells fargo financial worksheet for loan modification know what to do. Come September I will be four months behind and I have gotten four foreclosure notices. That s why our step by step document interview free auto lease agreement gives you a whole host of options.

My husbands salary has been cut by over 20%, so while I have always been wells fargo financial worksheet for loan modification a good payee, we no longer have enough income to pay the jumbo mortgage. They give us a different fax number to send more information, saying they would like it by Friday the 14th. I contacted Wells Fargo in January for a loan modification.

This stinks of a real scam - not only are these executives denying real customers of their rights and service, but they are helping wells fargo financial worksheet for loan modification themselves to bargains at the cost of the blood, sweat & tears of hard working WF ex-customers who have lost their homes. Anyway, we're supposed to hear back from them in wells fargo financial worksheet for loan modification the next few days but I'm not holding my breath. I am in the save situation that most of you are in now. When I started this program I was one payment behind. We continued calling periodically to ask about the status of our modification resubmission and also checked our status on Wells Fargo's website. I don’t understand this, since ei hear many times they rarely give a “permanent” modification.

While you are in our care at rma of texas, rma ivf price we want to provide you with the. I am sending the payments in 15 days early and priority overnight, to ensure they have no excuses. No shortage of those in the last few years. They said I did not make enough money and based on their calculations if they reduced my payment it would not help me. The reason was I didn't meet the wells fargo financial worksheet for loan modification investor's qualifications.

I should have never attempted the loan modification.I am told know that it may take 30-90 days for the final decision.so I have decided to do a short sale, before they foreclose on my home.there is no way that I can get caught up on (now 4 payments) behind. WF is a crock and we are not getting our help that obviously we all need.

Seminar Series

Credit and Finance
Russ Wermers
University of Maryland
Linda, would you please let us know if it worked & if you can share the agencys contact information.
3007 BIF
2:30pm

Seminars

In the News

Simple sample letter for debt settlement negotiations.

He is only clear on telling me to hold onto my pay stubs. They required we send them one pmt of 1278.00.We are currenty. I contacted Wells Fargo in March 09, because I had been laid off. I ended up submitting online and got a confirmation. I dont know if you need to live in Chicago to participate in this lawsuit against WF, however you may need to be a minority. However reading everyones posts, I will not feel relieved until they make a final decision.

I meet all loan criteria for modification and they told me if I didnt catch up on the back payments first they were going to foreclose on the loan.

She said I would have to be deliquent on my payments in order to qualify for them to modify my interest rate. And for our neighbors, who are buying new cars with the Cash for Clunkers, while we drive our two older models around town, we will just call it even. The option of course is to go and refinance your loan if you have a job and while the interest rates are low. Hello, are oyu listening to what I just said.

However when we called today to check on things they hadnt even done anything yet.

I dont know what will happen when I make my last trial payment. I was informed no decision had been made, but continue making my payments and sending in information. The agents told me that the whole process takes 30-45 days. When we get dinner out, its usually from a fast food place or a BBQ place, its not from the best steakhouse in town. They have the choice of sticking with the current loan and having a greater risk of us defaulting.

Smart Money Week

I have already been told that within 2-3 yrs I can buy another house. First, he told us itll take another month for the scores to be affected by the change in credit card balances. They could not have been more eager to help or better to deal with. Do you know today they called stating I have been terminated from the program because I did not have my signature on that one sheet of paper and that they were attempting to collect a debt in the tune of $10,000.00 the differnce being the modified amount.

The University Forum

All they had to do was to forgive part of my mortgage to make my payment affordable. I know banks are putting people on a 3 month forbearance, but at the same payment we have been struggling to make and requesting assistance. The rep, who was total jackass, told me my information was old and needed to be current, so I faxed the same info again with a Feb 09 date. What happens in the final review process and what terms were you given, percentage for how long, etc.

He told me tough luck, you are on your own. There is no realtor in this city where I live that will even use Wells Fargo, I wish I had listened to them before I purchased my home thru them, as why I did as I knew they keep their loans.

We were advised that making payments doesnt give the banks the necessary incentive to modify our loan. That is 22 percent of the 3.2 million solutions reported by the industry. My husband and I are now contemplating of buying the house next door which is now down to 450k and walk out of our house, just because.