I have a few question. I am new here so please bare with me if my questions seem stupid. I was just assigned a counselor 4 days after I submitted all my supporting documents with my application.
1. Do they run your credit for the mod? My credit has gone down since I havent been able to pay credit cards.(my brother moved out because he lost his job)
2. The lady taking my application told me not to include my husbands income or debt because he is disbaled and the income he recevies is non taxable, from his employer. The problem is, he gets direct deposit into our account so I am wondering will they see that and question where its coming from, and then will I need to give them his info?
3. Can they do 2% and 40 years? or is it one or the other
4. If they give you trial payments, can you elect to keep paying your currrent payment until you are approved? My dilema is I dont want to get denied and then they tell me I owe globs of money. I'd rather struggle and pay the current note until I know for sure if I am approved.
Thanks so much!!