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Foreclosures/Loan Modifications

You're trying to get a modification, or you're being foreclosed?
While every lender, foreclosure and modification situation is different, this is a place to discuss and share your experiences.

1,842 topics in this forum

  1. Pinned topics
  2. IndyMac Modifications

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  3. Chase/WaMu Modifications

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  4. CitiMortgage modifications

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  5. Countrywide Modifications

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  6. Contact Info for Lenders

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  7. Other topics
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  8. TD 2nd

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  9. Written Contract

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  10. Foreclosure Deemed

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  11. 2010 Reaffirm

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  • Our picks

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      • 6 replies
    • Here's where I am.  My goal is to get my credit score to 650 for a mortgage and I currently have a 620 (after initial disputes).
       
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      Sent from my iPhone using Tapatalk
      • 9 replies
    • I filed for Chapter 13 back in 2002. It was discharged about two years ago. It has fallen off two credit reports and I'm sure you can guess the one that it has not. My question what paper work should I keep if any in relation to my BK? By the way after it fell off my scores are in the high 700's.
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  • Posts

    • The RX350 is going to need tires soon.    It currently has 235/60R18XL (Extra Load -- whatever that is) on these 18" wheels.   It looks like the OEM tires were 235/55R18.   Other things equal, shouldn't I put the original size back on this shitty car?     Is there an advantage to a slightly larger diameter, aside from fooling me into thinking I'm not driving quite as fast?
    • https://www.marketwatch.com/story/5-signs-that-home-prices-could-be-rolling-over-again-2019-06-17?mod=mw_theo_homepage
    • Interesting stuff guys. Yep, seeking Alpha.   I'm in San Diego and the condo is in an area of high demand. Currently. OTOH, the valuation is quite high at 700k v 200k in 2010. My basis is 60k since I bought it in 1971. Prop tax is quite low at 1.1k/y due to the Prop 13 limit. I get nice rental income from it.   I'm not sure how much Alpha there is left in it though. Prices in its market have plateaued since 2017. There is a general effect from the 2017 Fed. tax change due to SALT limitations and they seem to be clipping prices that are over about 600k from the overall SALT clip at 10k. And higher value homes are seeing a haircut. My current home's market value is now lower than when I bought it in 2003 and has seen a significant decrease from 2017 due to the SALT limit.  
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    • What is your credit like?  Are you looking new or used?  Buying or leasing?  Sometimes it is preferential to have financing in hand when going to the dealer, other times the dealership may be the best place to obtain financing.   In either case, I would not worry about inquiries.

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