Tony P. asked
I just went through a loan modification and was denied due to a 31% debt ratio and inadequate funds for property taxes and insurance. My job went through a hiring freeze and restructuring of pay, causing me to fall behind on payments along with unexpected garnishments. I spoke with EMC to save my home and was instructed to apply for another modification. I submitted the application on October 29th, 2010, and was not given an answer until March 30th, right before CHASE acquired EMC. I did not make payments during the process and was not advised to. I believe this would be a quick resolution like my last modification, but now my options are to catch up on payments or consider an approved short sale or turning over the property. I want to save my home; what can I do?
September 6th, 2024
Gail S. answered
Unfortunately, loan modifications are not always quick or easy, especially with larger banks that do...
September 6th, 2024
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