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  1. carolinaskies

    Can't afford the monthly payments

    Hi are there any government programs helping struggling homeowners?
  2. carolinaskies

    Help With A Nationstar Loan Modification For 2nd Time

    Thanks, on the phone with Nationstar and they suggested a modification. I guess it depends on who you speak with because he other rep said we could not. We are now applying.
  3. carolinaskies

    Help With A Nationstar Loan Modification For 2nd Time

    What can we do if we have a loan modification and one of us loses our job? Our payments are 2069.00 monthly and its impossible o make on one income. I called nation star and they said it was nothing that they could do as the rate was the lowest. We contacted Making Home Affordable who put us in...
  4. carolinaskies

    I received permanent Hamp Loan Modification paperwork

    Has anyone ever negotiated the terms of a Modification for example asking for them to get rid of the Balloon payment?
  5. carolinaskies

    I received permanent Hamp Loan Modification paperwork

    Got the same modification and a HUGE balloon payment of 80,000 at the maturity date I'll be waaay in my 80's
  6. carolinaskies

    Is this a Modification-Select Portfolio

    Thanks Evan its exactly like that but of course the numbers are different. Is there anything we can do? Our home is worth 329,500 as of today but they want us to pay almost double than its worth. Any agencies that monitor the Making home affordable?
  7. carolinaskies

    Is this a Modification-Select Portfolio

    The payments are affordable but our plans are not to live our Golden years here. A stiff Balloon payment scares me.
  8. carolinaskies

    Is this a Modification-Select Portfolio

    If we sell the home at the the value price then we are responsible for the difference of over 200.000 dollars
  9. carolinaskies

    Is this a Modification-Select Portfolio

    We successfully made 3 payments august, September and October Trial payments of 2063.00 to select Portfolio. So much better than the 3,689 payment they originally wanted. We were always on time with each payment. We were so happy when we were told that the Modification was APPROVED After...
  10. carolinaskies

    Foreclosure Sale Date Next Monday June 3rd

    We are working with NACA and they have submitted our budget to Select Portfolio Servicer. So far we have checked the web file and nothing yet. Making home affordable would like for us to opt out of Naca and work with them. I am so confused about what to do, BK 13 is an option. I was told to...
  11. carolinaskies

    Weston Law sent an affidavit to appear....

    In court next Thursday but the strange thing is when we looked it up on county records there was nothing. The notice did not come certified either.
  12. carolinaskies

    Answering a Lis Pendens?

    Hi Guys, Is there a template to answering a BOA complaint we received a week ago.
  13. carolinaskies

    Any NACA contacts?

    Thank you I received a reply today.
  14. carolinaskies

    Any NACA contacts?

    I posted on 1/13 on the NACA forum and not one reply
  15. carolinaskies

    Need Advice about BOA, short sale, deed of lieu?

    Yes we missed the trial payments because they wanted 3690.00 there was no way we could make that. We had a significant decrease in both of our incomes. We had a combined income last year of 89,000 now its 25,000 less
  16. carolinaskies

    Need Advice about BOA, short sale, deed of lieu?

    We received 2nd or 3rd BOA denial. BOA sent a letter saying that we did not qualify for the Home affordable modification because we did not make all of the required trial payments, reason because we were dealing with NACA. They said they want us to short sale or deed of lieu foreclosure. They...