[faith]

Originally Posted by Jrixey

I am wondering if I should send my lender a QWR then have a Forensic Loan Audit performed instead of asking for a Loan Modification.
I have read the e-book but I have some gray areas.

I am extremely confused about this process.
Please can someone write back?

Hello and welcome to this forum,
The link below will help you understand the process of QWR because not all QWR requests are considered predatory and qualified for loan modification.

http://www.ababj.com/briefing/scare-mail-beware-of-qwr-s.html

I think NACA can help you and you don't have to pay anuthing because it's free.

https://www.naca.com/index_main.jsp

Mortgage Scam prevention:
Don't fall for promises like "We'll save your credit"; "We'll buy your house 'as is'"; or We'll get you a new mortgage with low monthly payments

Don't sign away ownership of your property (sometimes called a "quit claim deed") to anyone without the advice of lawyer you trust. "When people get behind on their loan payments, they get a bit desperate, but the answer is not putting someone else on your title

Beware of any home sale contract where you aren't formally released from liability for your mortgage. Also, make sure you know what rights you're giving up and that you agree to giving them up.

Don't call for assistance from one of those ubiquitous signs on telephone poles that advertise help. Chances are, that's not where help lies

Do proceed with caution, if a company or person
Describes itself as a "mortgage consultant," "foreclosure service," or something similar; Collects a fee before giving any services;

Advertises to people whose homes are listed for foreclosure, including anyone who sends fliers r solicits door-to-door; and says you should make home mortgage payments directly to them or to their company instead of your mortgage lender.

Don't sign anything that has any blank spaces. Information could be added later that you didn’t agree to. Yes, it happens.

Never sign a contract under pressure. Always know exactly what you're signing. Take your time to review the paperwork thoroughly — ideally with a lawyer who only represents your interests

Cast a jaundiced eye at deals that sound too good to be true. Lately, some scam artists promise they'll wipe out or pay off your home's debt for you (so-called "debt elimination"). Some flustered homeowners bite. Just remember the free lunch rule: There isn't one

A final thought: Remember, if you can't fix your finances, selling your house (on the normal market, that is) may not be the end of the world. Sure, you'll be a renter again. But given how much homes around the country have appreciated in the last several years, chances are you've made some money, which you can use to get back on your feet

Don't panic. Get full information on the foreclosure process in your state. Make sure you know ALL deadlines — for court, for document filings, etc. States usually have associations that can offer free advice. For who to turn to for advice, click on your state http://www.hud.gov/local/


God bless and peace be with you.