I feel the loan modification you want to accomplish was yet another that

In the regard to their declaration ” She told you the individual handling the mortgage doesn’t bring calls & I must hold back until it get in touch with me

Trust me I’m sure this is stupid to my region, however, times is hard financially & once you reach a spot where you could scarcely afford the bare fundamentals exactly what otherwise will you be accomplish? I’m sure I’m no pro & that is strictly an ignorant conclusion – however, I decided the fresh bad that’ll occurs ‘s the next fundamentally places an excellent lien for the family & while i sell it they manage to get thier 25K.

Not too one which you have included to your personal bankruptcy. s is good? Is the ex lover-husband including to the home loan?

Incidentally if this sounds like a special loan then your 2nd loan (that you definitely have not reaffirmed) must not create problem

loan originated 1990 which have parkway monetary. they marketed they so you can washinton common inside the 1996 approximately. arizona common ended up selling so you’re able to wells fargo inside the december away from last year. next mortgage is actually house security financing with this home.

ex lover is found on one another funds & recorded bankruptcy proceeding with me, however, he never ever arrived within the judge to possess final hearings with the sometimes case, so the personal bankruptcy experience during my title merely & divorce case had because the a standard. he could be an alcoholic just who decrease apart & couldn’t package the divorce case and/or personal bankruptcy.

as i phone call wells fargo i want to pay attention to the newest personal bankruptcy disclaimer. i guess it’s because the newest a bankruptcy proceeding is found on my credit report until 2009, but it is likely that that it loan was never reaffirmed. we actually can not think of. hitting therefore lots of economic setbacks usually i’ve been using one payment bundle immediately following a different. they just leftover undertaking that installment package immediately following a special. and additionally, washington mutual modified so it loan when you look at the 2003 when i missing my personal work & try out of work to have 9 weeks. my personal ex finalized the individuals papers & they went through no inquiries expected.

we titled so it a great.m. & wells fargo informed me the new modification is accepted, however, discover a problem – she had no idea just what state it. she told you the individual dealing with mortgage does not get calls & i need to wait until it get in touch with myself. she stated a number of minor circumstances that cause delays, including fees ran upwards so that the escrow percentage has to change.

i don’t understand why procedure or terminoligy. she said it was recognized, but appear to it isn’t technically recognized to date. sound like i can be refused. have always been we wrong? in case it is approved create they simply work out the brand new snags you to definitely come along it way on visit the reveiw procedure?

i’m worried to the point of sickness now on losing my personal house. you will find 4 kids & lifestyle listed here is much much cheaper than simply getting a condo this type of days. including you will find 50-80k security that i would hate to help you shed.

Do not worry a great deal. In case your Wells Fargo told you that modification is approved, then you certainly should hold off and see what will happen. Now’s your home fees try paid down and eliminated. I think this may be the issue that they are it comes down. Or even then spend they Quickly. Income tax lien should your first lien and really should be given utmost consideration.

You could potentially Query To speak With the Supervisor. Extremely common you to definitely certain negotiators do not capture incoming calls away from you. However, at this point you have to be requesting a management. The newest manager/movie director will get the fresh new responses and you may facts for your requirements, although he has discover all of them throughout the underwriting institution.