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Details: A loan modification creates a NEW agreement and a repayment plan is an agreement to become current on the original mortgage. A loan modification usually allows monthly payments to resume at their normal amount (or a little bit lower) while a repayment plan usually requires high payments (a normal mortgage payment AND some extra every month).

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The Law Office of Nadia K. Kilburn

Details: Nadia Kilburn has dedicated her legal career to standing up for rights and interests of homeowners who need to resolve challenging mortgage issues. Nadia has worked for the Housing Clinic at Catholic Community Services and The Foreclosure Mediation Clinic at Seattle University. Prior to opening her own firm, Nadia was an Associate Attorney at

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Mortgage Relief Analysis

Details: Therefore, speaking to an experienced mortgage relief attorney is your first step. Give me a call and we can discuss what a mortgage relief plan looks like for you. If you’d like to set up a time to talk about your situation, please give me a call at (425) 654-1674.

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Why You Need a Mortgage Attorney

Details: A mortgage attorney can explain the loan modification process and help you understand your chances of success. A mortgage modification (or a loan modification) is one way to stop the foreclosure process and keep your home.. A foreclosure attorney should be able to speak with you about your individual financial situation to help you know whether you stand a …

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Mortgage Servicers

Details: If LoanCare is your mortgage servicer and you need help with modifying your loan, it can be an uphill battle to get the help you deserve. I’ve helped many homeowners with their LoanCare loss mitigation problems and I list some of the solutions below.

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Mortgage Reinstatement Support

Details: Are you behind on mortgage payments, facing foreclosure and ready to just pay the bank what you owe? Paying back what you owe to get current on your mortgage is called reinstating your mortgage and you would think it would be easy!. Ideally banks would have a simple process to take your money and get you caught up.

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The 7 Challenges of Reinstating Your Mortgage

Details: Reinstating sounds straightforward. You would think that the banks would make it easy for you to reinstate but it often can be challenging to complete the reinstatement process, especially if you’re already facing foreclosure.

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What To Do When a Borrower On The Mortgage Dies

Details: When a borrower on a mortgage has passed away, there are a variety of situations, people and interests that have to be dealt with. The first thing to do is identify is who you are with relation to the mortgage and the borrower:. You might be a co-borrower on the loan: You signed the original note and deed. Your name is listed on the mortgage statement.

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The Four Parts of the LoanCare Mortgage Nightmare

Details: Here are the four parts of the LoanCare mortgage nightmare: Service Release Disasters: Recently, LoanCare has taken over the servicing rights to several large loan portfolios. This is called a service release or a service transfer. Unfortunately the recent service releases to LoanCare seem to be going horribly.

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What is the Mortgage Foreclosure Process

Details: It can feel scary to be behind on mortgage payments, especially when you feel like you don’t know what’s coming. You can’t rely on your mortgage lender to explain everything that is about to occur as they move forward with the foreclosure process. If you know you’re facing foreclosure, having a consultation with a foreclosure attorney is always a good idea.

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What is a Standalone Partial Claim

Details: What is a partial claim on a mortgage? A partial claim is a non-interest bearing, lump sum amount of money that gets recorded against a property as a subordinate lien to the primary mortgage. The partial claim amount becomes due at the maturity date of your mortgage. The partial claim gets recorded on title as a lien, underneath your first

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How To Apply for the Washington State Homeowner Assistance

Details: Mortgage payment assistance, and other financial assistance to allow a homeowner to reinstate a mortgage or to pay other housing related costs related to a period of forbearance, delinquency or default. Principal reduction; Interest rate reductions

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The Complete Guide to the Flex Modification Program

Details: At the maturity date of your mortgage, the lump sum becomes due. Once the missed payments have been deferred, your monthly payment reverts back to exactly what it was before COVID and your original mortgage remains intact. A Flex Modification is a loan modification. A loan modification is a new agreement with new terms.

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Forbearance Mortgage Relief Guide

Details: The Federal Forbearance Mortgage Relief Programs Learn how to take advantage of the protections and programs in place for loans backed by the FHA, Fannie Mae, Freddie Mac, VA and the USDA. Learn how to lock in your forbearance benefits now. Email Address*

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The Law Office of Nadia K. Kilburn

Details: A loan modification creates a NEW agreement and a repayment plan is an agreement to become current on the original mortgage. A loan modification usually allows monthly payments to resume at their normal amount (or a little bit lower) while a repayment plan usually requires high payments (a normal mortgage payment AND some extra every month).

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What is a Repayment Plan

Details: A repayment plan (unlike a refinance) is a way to resolve the default issue. If your ultimate goal is to refinance and you are behind on mortgage payments, you need to resolve the default first (through a repayment plan or loan modification or reinstatement etc.). Then, once you have a recent payment history showing regular mortgage payments

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The 11-Day Rule to Reinstate Your Mortgage in Washington

Details: Reinstating a mortgage means that you have enough money to fully pay back ALL the missed payments you owe and any additional late fees the bank has charged. For non-judicial foreclosures in Washington, you can reinstate your loan until 11-days (including weekend days) before your foreclosure auction date.

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What Happens When Your 2nd Mortgage Initiates Foreclosure

Details: The 2nd mortgage lender understands that if they foreclose on their lien and the home is sold at a foreclosure auction, there is enough money in your property to pay the 1st mortgage holder in full and the 2nd mortgage in full. Basically, the …

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The Ocwen to PHH Nightmare

Details: A mortgage servicer is a company (like Ocwen) that processes mortgage payments on behalf of entities (like Fannie Mae) that own loans. When the owner of a loan decides to move the loan to a new mortgage servicer, that transfer is called a “service release.”

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Loan Modification Options After Forbearance

Details: The amount of your mortgage payment will be whatever it was prior to COVID. Enter into a loan modification agreement: A loan modification is a new agreement that wraps the amount of payments you missed during your forbearance in a new loan, with a new balance. Loan modifications have new terms (sometimes, a lowered interest rate or a lowered

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What is a Streamlined Loan Modification

Details: Some mortgage servicers have their own streamlined programs for borrowers who have never defaulted before which may be an option for you. If you are struggling to pay back your mortgage and have questions about whether a streamlined loan modification would be available to you, feel free to reach out at (425) 654-1674.

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The Complete Guide to Exiting Your Cares Act Forbearance

Details: A mortgage recovery advance (this is a one-time payment paid to you by USDA to help you bring the loan current) Category 2: If you cannot afford your pre-forbearance mortgage payment: USDA will attempt a combination of the above options to help you transition and bring the loan current.

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How Does Loss Mitigation Help Me Save My Home

Details: Once a mortgage lender stops being able to collect mortgage payments, they start taking a “loss” because they are no longer recovering monthly payments. In order to handle, fix, or manage the lender’s loss that occurs when you start missing payments, they offer “loss mitigation options.”. Loss mitigation can be helpful for you: There

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LoanCare Loss Mitigation Problems and Solutions

Details: If LoanCare is your mortgage servicer and you need help with modifying your loan, it can be an uphill battle to get the help you deserve. I’ve helped many homeowners with their LoanCare loss mitigation problems and I list some of the solutions below.. You’ll learn how to work more effectively with their customer service department, and you’ll have a better chance …

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Understanding the Notice of Default

Details: A reinstatement is a one-time payment in full of all your missed mortgage payments and any related fees. After you reinstate, you then resume your normal monthly mortgage payments. You can work out a new repayment plan with your bank or mortgage servicer to catch up on mortgage payments and keep the home.

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Mr. Cooper Loan Modifications

Details: Mr. Cooper Mortgage Company (formerly known as Nationstar Mortgage), is a residential mortgage servicer that specializes in working with loans that are in default. Chances are, if you have a loan with Mr. Cooper, you’re having a difficult experience working with them.

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Loan Modification vs. Refinance: Know Your Mortgage Relief

Details: If you are behind on your mortgage payments learn whether you need to re-finance your loan or whether you need to get a loan modification.

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The Challenges You Can Expect When Trying to Get Current

Details: You missed a few mortgage payments, but you were able to get back on your feet. Here are some common challenges you may face when trying to get current.

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LoanCare and ServiSolutions

Details: There is a high chance your loan will be with them. Below are some phone numbers for ServiSolutions. Depending on what you’re doing and what type of loan you have, the contact info may be different but you can start here: 334-244-4350. 855-819-8081. 866-339-2432. 855-819-8081. Here is their website: www.servsol.com.

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Loan Modification Hardship Reason #3: Death of the Borrower

Details: The mortgage fell into default while the borrower was alive, prior to my involvement due to reduction in income on behalf of the borrower. At this time, the estate would like to retain the property so we are applying to assume the loan with a loan modification. We have the required funds to resume regular mortgage payments. Sincerely, Executor Name

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Divorced and Needing a Loan Modification: What to Do

Details: Mortgage lenders typically don’t offer an assumption option to borrowers in default. Depending on your investor and mortgage servicer’s guidelines, if the mortgage loan is in default, you cannot adjust the liability on the mortgage through an assumption without resolving the default issue.

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Shellpoint Loan Modification

Details: Shellpoint Mortgage Servicing, usually known just as Shellpoint, is a residential mortgage servicer that specializes in working with loans that are in default. Chances are, if you have a loan with Shellpoint, you’re having a difficult experience working with them.

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What to Look For in a Loan Modification Attorney

Details: If you’re financially stressed and missing mortgage payments, chances are – you’re being bombarded by people, companies, attorneys, and organizations offering to help you get a loan modification. Your mortgage lender is also probably telling you that you don’t need any help – that you can easily do the loan modification process yourself.

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Loan Modification Hardship Reason #1: Job Loss / Reduction

Details: While financial hardship is a required part of the modification process, in order to actually get approved for a modification, mortgage lenders need to know that the hardship is over. When you write your hardship letter and you mention your job loss, include a sentence at the end of your hardship letter telling the lender that your hardship has

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Loan Modification Hardship Reason #3: Divorce/Separation

Details: Tell the lender the date of the separation or divorce and direct them to the supporting documentation you attached. Tell the lender how the divorce impacted the household finances and why the mortgage fell behind as a result. Most commonly, spouses have to go from supporting one household to two and this is usually all you have to explain.

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Loan Modification Application and Negotiation

Details: When you are considering applying for a loan modification, you may want to consider getting some help. The earlier you can chat with someone about your particular situation, the better – an attorney can help you make a mortgage relief plan so you understand all your options and how a loan modification can help you.. There are times when it makes sense to apply, even if you …

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Loan Modification Hardship Reason: Illness of Borrower

Details: Mortgage lenders allow a very broad definition to qualify you under this hardship reason. Lenders take a broad interpretation of what qualifies as “Illness of the borrower.” Some lenders have even updated their application forms to read “Illness of the borrower / Medical Expenses” so they can apply the information more broadly.

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What Happens After a Loan Modification is Approved

Details: A TPP requires you to make a mortgage payment for a fixed number of months prior to fully modifying the loan. Lenders force you to go through a TPP as a way to test the household income to make sure that resuming regular mortgage payments is affordable for you.

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What Is This Foreclosure Notice

Details: If approved for forbearance, your mortgage servicer will temporarily stop requiring monthly mortgage payments for an agreed upon time. You can complete a reinstatement of the past due amounts in order to bring your loan current and keep the home. A reinstatement is a one-time payment in full of all your missed mortgage payments and any related

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How Many Loan Modifications Are You Allowed

Details: Mortgage lenders (like Mr. Cooper) are issuing these types of denials right now and many people are in the process of trying to overcome this problem. If you are a Washington state homeowner and have questions about whether you qualify for another modification, feel free to give me a call at 425-654-1674.

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Loan Modification Hardship Reason # 5: Unforeseen Expenses

Details: Large: You don’t want to tell the lender that your unforeseen expense that caused you to miss mortgage payments was relatively small. The lender expects you to be able to cover smaller, unforeseen expenses without missing mortgage payments so make sure your expenses are large (generally – they should be more than $500 at a minimum).

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Understanding Pre-Foreclosure

Details: A reinstatement is a one-time payment in full of all your missed mortgage payments and any related fees. After you reinstate, you then resume your normal monthly mortgage payment. You can work out a new repayment plan with your bank or mortgage servicer to catch up on mortgage payments and keep the home. A repayment plan allows you …

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How to Write a Contribution Letter for a Loan Modification

Details: The general rule is that banks like to see your mortgage payment at about 33% of your overall monthly income. Lenders believe that if you’re only spending 33% of your monthly income on your mortgage payment, you have enough money left over to …

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Why You Need a Foreclosure Attorney

Details: An attorney can explain the loan modification process and whether it can help you stop foreclosure and keep your home. A mortgage modification (or a loan modification) is one way to stop the foreclosure process and keep your home.. A foreclosure attorney should be able to speak with you about your individual financial situation to help you know whether you stand …

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How to Write The Best Hardship Letter

Details: Example 2 – Get out of the home (short sale hardship letter) “In December of 2019, our household income was reduced due to job loss. I was laid off for two months during which time we defaulted on our mortgage. At this time, the mortgage payment is unaffordable and the household income has not recovered.

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