Moe Bedard
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Oct 19, 2017 at 5:20 PM
Aug 10, 2007
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Jul 15, 1971 (Age: 46)
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Southern California

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Moe Bedard

Call 1-800-779-4547, Male, 46, from Southern California

Staff Member Loan Safe Mortgage
Moe Bedard was last seen:
Oct 19, 2017 at 5:20 PM
    1. zrich
      me & wife have loan mod, 1st residence; M-I-L has own duplex res. w tenant & lease; foreclosed, got loan mod, then she died b/f signing, Affidavit of Heirship filed & wife only heir. can wife do loan mod on MIL res.? A rental loan mod? Claim as primary, & abandon current loan mod? residency requirement? 2 loan mods at once? only income mine + rent $; start app as rental or primary? separate primary residences?
    2. garyc445
      we had a countrywide subprime then BOA had it and gave us a interest only for 6 yrs no principal reduction I had a congressman the process, then transfer to SPS. Now the old note was 655k but value of house now is about 180K otherwise I will either have to do deed in lieu of to get the 10k relocation dollars. Can I force them to prove the deed owner in a foreclosure?
      1. Abreascia Crockett likes this.
    3. garyc445
      had to filed bk chapter 7 and discharge the mortgage because the would not work with us for principal reduction 400k under water and had to retired , lost 50k income but i am retired disabled veteran still with income at 65k currently in short sale the loan has been discharged from credit report what options do i have to get a new mortgage need a one story home due to military disability
    4. workhardstayhumble
      Mr. Bedard,
      Filed a Chapter 7 Bankruptcy ending soon.
      Ocwen has already written off the second.
      Ocwen also holds the first and has indicated I can file a loan modification.
      I will not reaffirm so I am waiting for the bankruptcy to end.
      Any pointers with Ocwen?
    5. Althea Palacios
      Althea Palacios
      Hey Moe, still waiting for a response to a question I posed back in June. Hope to hear from you soon.
    6. Ratra
      Hi Moe - I just received a trial modification letter that is more of forbearance and not making sense to me. Is there any way you could review this letter. I have a sale date of 07/07/15. Thanks in advance.
    7. Althea Palacios
      Althea Palacios
      Hello, we finally received a modification from BofA after 4 years. It's structured for 30 years,with the loan becoming due the original date in 20 years along with a very large balloon payment Unless we hit the lottery we won't have the money. What would you recommend we do? Im thinking refinance. What are your thoughts? If its to refi when would you recommend we do it? ……
    8. MeginCa
      Hi Moe, I need help! I have a loan with B of A but it has been sold to Caliber as of May 15, 2015. I want to sell the house, do I ask for closing statement from Caliber? I have some late payments with B of A and they did not include them on the sale, do I still owe B of A the backpay? I filed Bk on the house back in 2008 so technically I don't have to right? Thanks!!
    9. Mike Witkosky
      Mike Witkosky
      HELOC Modification Offer, Need advise
      Home value $200K
      1st $36K was just modified through HAMP
      2nd $275K HELOC
      Offered the following.
      Months 1-12 1% interest on a $149,000 loan (40 years)
      Months 13-60 3% interest
      Months 61-408 3.7% interest
      At the end of 40 years a balloon payment of $125,000!
      I don't understand why I didn't receive a 2mp principle reduction mod?
      Is this a good mod or am I just being unrealistic?
      1. MeginCa
        Interest rates are really good. I would do it and either refi or walk away in 40 years!!!
        May 12, 2015
    10. custombuilder
      Moe - started a new thread and replied to another - neither has shown up. I'm signed in so not sure what's going on. Really need the forums feedback and advice asap. Thanks!
      1. MeginCa
        me too! I joined thinking my q's would be answered right away and the stress of waiting is as bad as waiting on the banks! :)
        May 12, 2015
    11. chelifan24
      Moe I made a bad mistake - I reported myself after one post that my husband didn't want out there yet- and it removed everything I posted- is there a way to correct that mistake I made?
    12. jim stevens
      jim stevens
      what would be the best approach in writing a hardship letter when a balloon payment will be due? When should I ask for a modification? The balloon payment is due Sept 2015 I noticed a post from someone that was in a similar situation. If the lender doesn't agree to modifying the balloon payment what can be done?
    13. acesfull
      Hi Moe,

      I am still not receiving instant emails concerning the threads I follow..
      Is there a problem with this feature?
      I hope you are well.
      Best regards Moe,
    14. northapple
      Hi Moe: Is there a way for me to have 2 forum threads I started in The Lounge deleted? I don't see any option to do that myself, and I don't see a way to send a message to an admin. I realized the threads are pointless and don't have any useful information anyway.

      Please PM me. Thanks.
    15. ruchikag
      Hi Moe,
      Chase sent me settlement for $25k on $124k loan (2nd lean) which was dis charged through Bk7. My 1st was modified and current. My home value is about $440k, my 1st is $235K. Will I have a cancellation of debt to IRS. They gave me a payment plan for 5 yrs option also. But does the tax obligation still there.
      I appreciate a response.
      Thank You.
      1. View previous comments...
      2. ruchikag
        It's a 30 day offer until 1/30/15.
        Jan 19, 2015
      3. clakeca
        Thanks. Could you please explain their "5 yr. option?"
        Jan 19, 2015
      4. Moe Bedard
        Moe Bedard
        Hello - Sorry for my late response here. I'm not 100% certain. The IRS says Bankruptcy: Debts discharged through bankruptcy are not considered taxable income. But I think I remember seeing that if you settle, it is like reaffirming the debt or acknowledging it. I couldn't locate the information so please consult with a lawyer.

        Take care,

        Feb 12, 2015
    16. Michael tracy
      Michael tracy
      I need to write a hardship letter my mortgage is about to ujust and we will not to be able to afford new payment and I had a heart attack and my wife has lupus can you help with how should I write it thanks moe
    17. Michael tracy
      Michael tracy
      how can I get phone numbers to higher ups in owcen bank, thank you
      1. MeginCa
        good luck on that, the banks are worse than the mob. There are so many people in different departments that don't even talk to each other. I can get 2 letters in same day from the same back and diff departments telling me exact opposite things. Plus they protect the higher ups, its probably part of their training.
        May 12, 2015
    18. razmik
      Hello Moe, isisis got in touch with you and asked if you can give an email to me to send some documents. If you send me your email I will send you mine then you send me isisis email if possible. Thanks
    19. Leonardo
      HI Moe,I did 2 short sales over 4 years ago, i had to sign 2 promissory notes in order to close, they property was in Las Vegas on 2 investment condo's, after 4 years of paying the notes, all of sudden the bank Pyramax Bank) has put derogatory info on one of the credit bureaus,( account closed, charge off, profit loss write off) and i still get a statement from them that account is open.


    20. john gross
      john gross
      Hi Moe I just found out my 2nd was sent to Nationwide credit from Ocowen it was discharged in ch 7 in 2010 the original loan amount was 117000 and they said it is now 146000 we have not payed on it since 2010.what percentage should I start with in settlement offer.
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  • About

    Jul 15, 1971 (Age: 46)
    Home page:
    Southern California
    Hi, my name is Maurice Bedard, but many people know me as Moe. I'm the founder of and Loan Safe Mortgage Marketing. I created LoanSafe in the summer of 2007 in order to offer a safe online service to help consumers with their mortgage. In the past 7 years, has grown to a forum with over thousands of members, and our website receives hundreds of thousands of visitors per month. It is the #1 mortgage website and forum for consumers in the world. My work has been featured in all the major media publications.

    I was born and raised in Southern California. I'm a married to a gorgeous loving wife and I also have 5 beautiful children. I love to surf , martial arts, and the outdoors. I'm also happily married with 5 children.




    Best Regards,

    Founder - America's #1 Mortgage Forum

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