New Help with Loan Modification Metlife Home Loans!!

[jestip]

I have a FHA Loan. My mortgage Company is Metlife Home Loans. It hasn't been two years yet on are discharge from Chapter 7 Bankruptcy. Since everything now is paid in cash and we have had some unexpected expenses come up ie: (Vehicle repairs, Dental repairs and Vet bill). Which put us 3 months behind on Home payments. We have sent in our paperwork to our lender for an loan modification or to have payments forgiven. So we can build are credit history. Our problem is the Lender keeps losing paperwork and when I call them up to ask questions everyone tells me a different story. What should I do?? What else can I do.Is there someone else that can help me? I'm to the point to pack up and leave the keys in the front door.

Note: Metlife Home Loans doesn't do Mortgages anymore. They have stated that they were only servicing there current customers and waiting on someone to buy them out.

[Evan Bedard]

Welcome and thanks for joining the community.

Even though Metlife does not originate mortgages any longer they certainly can help modify your loan. Next time you contact them for status request to speak with a manager and ask for their specific fax number so you can fax all of the require information. You may want to send the package certified mail return receipt requested CMRRR as well to ensure it is received.

[Cat Damiano]

Hi jestip,


Since it is an FHA loan and you are not getting anywhere with the servicer, you can also reach out to FHA as well for help;

FHA-Insured Mortgages

The Federal Housing Administration (FHA), which is a part of the U.S. Department of Housing and Urban Development (HUD), is working aggressively to halt and reverse the losses represented by foreclosure. Through its National Servicing Center (NSC), FHA offers a number of various loss mitigation programs and informational resources to assist FHA-insured homeowners and home equity conversion mortgage (HECM) borrowersfacing financial hardship or unemployment and whose mortgage is either in default or at risk of default.

• Click Here to log onto the NSC Loss Mitigation Programs home page.
• Click Here for answers to Frequently Asked Questions about FHA’s loss mitigation programs.

CONTACT FHA

FHA staff are available to help answer your questions and assist you to better understand your options as an FHA borrower under these loss mitigation programs. There are several ways you can contact FHA for more information, including:

• Call the NSC at (877) 622-8525
• Call the FHA Outreach Center at 1-800-CALL FHA (800-225-5342)
• Persons with hearing or speech impairments may access this number via TTY by calling the Federal Information Relay Service at (800) 877-8339.
• Email the FHA Resource Center
• The Online FHA Resource Center

[jestip]

Welcome and thanks for joining the community.

Even though Metlife does not originate mortgages any longer they certainly can help modify your loan. Next time you contact them for status request to speak with a manager and ask for their specific fax number so you can fax all of the require information. You may want to send the package certified mail return receipt requested CMRRR as well to ensure it is received.

Thanks for the response. Whenever I send them any info I always send certified return receipt. I got a hold of HUD today, they gave me some good advice!! Maybe there is a light at the end of this tunnel after all!!

[Evan Bedard]

Thanks for the response. Whenever I send them any info I always send certified return receipt. I got a hold of HUD today, they gave me some good advice!! Maybe there is a light at the end of this tunnel after all!!

Good job contacting Hud as their counselors are usually very well versed on the FHA loan modification process and programs. We have hundreds of members here who have went through this process who have FHA mortgages as well so you will find tons of information about the process.

Good luck and please keep us posted on your progress!