[Loanhelp]

Hello fellow borrowers,

I was recently laid off from a real estate law firm which were adept at processing and obtaining loan modifications, I would like to help everyone on this forum by answering their questions whilst they are in the modification process. Please post your questions and I will answer them to the best of my ability, I have been doing this since MHA came out and feel as though many of you need tips in the right direction.

I can answer questions such as:

Why is my trial payment higher than my normal payment?

What if my sale date does not get postponed?

Should I list this property as a rental or as a primary? (primaries get better mods since they qualify for mha's usually 2% and up fixed rate)

They denied my loan modification due to negative income, what does that mean?

Why has this been going on for more than a year?

Should I even pay my second mortgage?

How much income should I list and for what?


I will be devoting my time to these and other loan modification forums to help out homeowners who need it most. If you feel that I may have helped you in anyway you can donate any amount to To view links in this forum your post count must be 10 or greater. Your post count is 0 momentarily.. It is not encouraged or an obligation, just whatever you choose. Please feel free to post any questions immediately.