Additionally, you will need to write a hardship letter; more information on how to write a hardship letter can be found here.

When you have gathered all the required documentation, created your financial prospectus and hardship letter, and made sure that the information you are presenting does in fact qualify you for a loan modification with Central Florida Educators FCU, now it is time to contact the loss mitigation department, which can be reached at (800) 771-9411 or (407) 896-9411.

Present the information that you have gathered above in a clear concise manner, and explain that you do in fact qualify for a loan modification under Making Home Affordable. Be sure to write down and log each and every date or notable event in the loan modification process, including the date and time of submission of documents, follow up calls, and expected time table.

A loss mitigation specialist will be assigned to negotiate the terms of your loan modification. When negotiating, re-iterate your intent to keep your home, your inability to make the current payment, and your ability to pay the lower payment that you are asking for. Stick to your guns, and don’t be tricked into agreeing to a higher payment than you can afford under program guidelines.

If at any point during the loan modification process you are having a tough time, and you want an immediate expert opinion, complete a contact form on the top right of each and every page of modificationzoom.com. We are happy to help you qualify for a loan modification and answering any questions you may have.

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Please note that Citizens Bank may ask for additional supporting documentation when reviewing your loan modification package.

What to do When You Call Citizens Bank
You can reach the Citizens Bank Loss Mitigation Department directly at (800) 234-6002. Now, as with most lenders Citizens Bank has two different departments that field calls on delinquent loans and how homeowners are treated and the help they receive varies base upon which department of Citizens they have reached!

The first department of Citizens Bank that speaks to delinquent homeowners typically is their collection’s department, who will try to get the homeowner to catch up by immediately paying back the amount they are late on, including the legal and late fees that Citizens Bank assesses.

The second department at Citizens consists of loss mitigation specialists and negotiators. Modification Zoom has significant experience working with lender loss mitigation departments and getting the best loan modifications for our clients. If you believe you need help getting a loan modification from Citizens Bank / CCO Mortgage, complete the form to the right, or apply here.

Often, homeowners contact us after they have presented financial information to their lender that makes it impossible for them to get a loan modification. If you do not have years of loss mitigation experience, the time to learn is not on your own foreclosure.

Modification Zoom can help get a loan modification from Citizens Bank / CCO Mortgage that will put you in a much better financial situation. Complete a form on any page of this website, and we will contact you immediately. The consultation is quick, absolutely risk free, and completely confidential. Take the first step today!

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I was asked for a copy of the Financial Disclosure Form by HSBC as part of my loan modification package. Where can I find a copy of it?
A copy of HSBC’s financial disclosure form can be found here:http://www.us.hsbc.com/1/PA_1_2_39/content/usshared/Personal%20Services/Home%20Loans/Mortgage/Existing/Payment%20Difficulties/fnclform.pdf

What is the deal with the 6 month “band-aid” loan modification solution that I was offered? Are they ever going to place me in a permanent loan modification?
Most likely HSBC will only offer a 6 month, temporary solution unless you have a great Attorney.  The majority of HSBC’s servicing agreements with their investors do not allow aggressive, permanent loan modifications, and the only way to strong-arm HSBC and the concerned investor(s) into actually granting a permanent loan modification is through either a detailed forensic audit highlighting multiple violations of RESPA and TILA coupled with a pending lawsuit, or through detailed examination of fiscal viability based upon NPV analysis coupled with Net-Cashflow borrower ability to repay the lower payment.

Should I get a Lawyer?
Definitely.

Where can I speak with others who are having a tough time with HSBC?  Are their already any complaints against HSBC?


Most definitely. Here are a number of sites that should help:

If your lender is HSBC or Beneficial and you are in need of a loan modification, please complete the form to the right to have a free, in depth discussion regarding the best way to wrestle a permanent loan modification from HSBC.  If you have additional questions about what exactly is a loan modification, or how one can help you, please take a look at the Loan Modification Q&A.  For more information on Modification Zoom, please check out the About area.

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The Countrywide Loan Modification Process
How to Contact Countrywide’s Loss Mitigation Department
Countrywide Hardship Letter
Countrywide Complaint Letter
How to Still Make your Payments
Types of Countrywide Loan Modifications
Required Documentation
A Must See

Countrywide Loan Modification Process


Here is a breakdown of the loss mitigation process when dealing with Countrywide:

Write a Hardship Letter and begin gather the required supporting documentation.
Contact Countrywide’s Loss Mitigation Department and advise them that you are facing financial hardship and can no longer afford your mortgage. They will provide you with a number of additional confusing forms. Don’t get discouraged!
Fax your Hardship Letter, Financial Prospectus, Income Documentation, Bank Statements, et. al. to the fax number provided.
(Optional) Write a Qualified Written Request or a Complaint Letter & submit to Countrywide. Now it’s time to wait 90-120 days for a negotiator to get assigned.
Have a clear goal of what you want to achieve through your loan modification / what you would like your new payment to be. Speak politely but firmly to the negotiator that has been assigned to you and state plainly what you hope to achieve through the modification.
Receive your loan modification offer via mail from Countrywide per the terms agreed upon with the negotiator. Sign and send back.

How to Contact Countrywide’s Loss Mitigation Department
Main Loss Mitigation Department Number: (800) 669-6607
Direct Phone Number to Countrywide’s Legal Department: (972) 526-3610 – Mary Archer, paralegal
Direct Phone Number to Countrywide’s Office of the President: (800) 601-2522

3. Countrywide Hardship Letter
Start off with a basic business letter template. Your first paragraph of the hardship letter must contain details about your current financial situation – let the lender know that you are not comfortable with the current loan terms and let them know that you need immediate help.

Second paragraph: Explain about your hardship in more detail here.

Third Paragraph: Explain how you will benefit from the loan modification.

Fourth Paragraph: Explain that you are committed to saving your home. Conclude with a statement that you look forward in working out a solution that will help avoid foreclosure.

Do not let Countrywide take your home! Fill out the form to the right for expert assistance.


4. Countrywide Complaint Letter
Be sure to include a “Qualified Written Complaint” to Countrywide. Example can be found courtesy of HUD – http://www.hud.gov/offices/hsg/sfh/res/reslettr.cfm.

Address for Certified Complaint Letters:

OFFICE OF THE PRESIDENT
ATTN: ADRIENNE ELY
400 COUNTRYWIDE WAY
MS SV-314
SIMI VALLEY, CA 93065
800-669-6093

Countrywide Mortgage
400 Countrywide Way SV-HRD
Simi Valley, CA 93065

400 Countrywide Way SV-314
Simi Valley, CA 93065-3500

400 Countrywide Way SV-314
Simi Valley, CA 93065-3500

450 American St
Simi Valley, CA 93065
7105 Corporate Dr.
Plano, TX 75024

P.O. Box 10211
Van Nuys, CA 91499
P.O. Box 5170
Simi Valley, CA 93062-5170

21 E. Victoria Street
Santa Barbara, CA 93101
35 North Lake Avenue, 35-72B
Pasadena, CA 91101

Countrywide
SV-314B
PO BOX 5170
SIMI VALLEY, CA 93062-5170

How to Still Make Your Mortgage Payments
Countrywide loves to make additional money through charging fees and not accepting payments through their online payment system from people that are going through loan modifications. One way to get around this is through http://www.checkfree.com, which will give you proof of payment that you can forward to your neighborhood friendly Attorney General’s Office.

Types of Countywide Loan Modifications
Countrywide National Homeownership Retention Program

This home retention program underscores Bank of America’s commitment to provide customers the resources and necessary help to sustain homeownership. It is estimated that the loan modification program will result in up to .4 billion in permanent payment relief to as many as 400,000 Countrywide borrowers nationwide. In states participating in the program, it provides up to 0 million in relief payments to borrowers who default early in their loan terms or after an interest rate reset, while committing more than million to a relocation assistance program to help borrowers who are unable to retain their homes with relocation costs. Countrywide has initiated proactive outreach to eligible borrowers.

Countrywide no longer offers “subprime,” “high cost” or “negative amortization” mortgages and has significantly curtailed no- and low-documentations loans. Broker compensation will be limited to 4% of the amount borrowed. Countrywide will retain, for at least one year following the acquisition by Bank of America, a minimum of 3,900 personnel to assist with loan modifications and other foreclosure avoidance and home retention measures. We will continue to proactively contact delinquent borrowers and offer loan modifications and report the progress of this agreement to the participating states on a regular basis.

Home Retention Programs – On December 1, 2008, Countrywide began proactively contacting potentially eligible borrowers under this program. Countrywide has not initiated or advanced foreclosures for potentially eligible borrowers during the time necessary to determine borrowers’ interest in staying in their homes and their ability to afford the new terms as well as investors’ willingness to accept loan modifications.

Countrywide will waive late/delinquency fees for payments remaining unpaid when modifying loans and will not charge modification fees to borrowers. Countrywide will waive prepayment penalties in connection with any payoff or refinance on certain qualifying subprime and PayOption ARM loans owned by Bank of America or Countrywide. For loans owned by other investors, Countrywide will work with investors to encourage them to waive prepayment penalty fees.

Eligible borrowers under this program must have received a qualifying subprime mortgage or a Pay Option adjustable rate mortgage prior to 2008, and the property must be a 1-4 unit owner-occupied residential property. Additional requirements include:

The borrower is 60 days or more delinquent and the current loan-to-value ratio is 75% or above;
The borrower becomes seriously delinquent at any time prior to June 30, 2012, and the loan-to-value ratio at the time of the modification is 75% or above;
The borrower is current on the mortgage but is likely to become seriously delinquent as a consequence of a rate reset or contractual payment recast based on negative amortization triggers, and the loan-to-value ratio at the time of the modification is 75% or above.

Loan Modification Program Details

Countrywide will offer eligible borrowers an FHA refinance under the HOPE for Homeowners Program to the extent available, as well as these additional program options based on product type:
Subprime 2-, 3-, 5-, 7- and 10-Year Hybrid ARM borrowers who become seriously delinquent following an interest rate reset will receive an unsolicited restoration of the introductory rate for five years and an invitation to contact Countrywide for additional relief if they are unable to afford the introductory rate. Borrowers who cannot afford the introductory rate will be offered one of the following streamlined loan modifications within the limits of the Affordability Equation:

A fully amortizing loan modification with an interest rate reduction to the introductory rate or lower with fixed step-rate interest adjustments such that the borrower’s aggregate scheduled principal and interest payment increases by no more than 7.5% of the aggregate scheduled payments in the preceding year; and an automatic conversion after five years to a fixed rate mortgage for the remainder of the loan term.
An introduction of a ten-year interest only period and a reduction of the interest rate on the mortgage with fixed step-rate interest adjustments such that the borrower’s principal and interest payment increases by no more than 7.5% each year, and subject to a lifetime interest-rate cap of 2 percent below the original loan’s contractual rate.

Pay Option ARM borrowers qualifying for and accepting a streamlined loan modification option will have the negative amortization feature eliminated from their loan. For single property owners who currently have an LTV of 95% or higher, Countrywide may defer or write-down the principal balance to as low as 95% of the current value of the property to restore an equity position. Based on the Affordability Equation, Countrywide will offer a fully-amortizing modification consisting of:

An optional ten-year interest-only period on the loan; and
Reduction of the interest rate with fixed step annual rate adjustments, subject to an interest rate cap.
Other Subprime borrowers will receive a streamlined modification based on the limits of the Affordability Equation consisting of a fully amortizing loan modification with an optional ten-year interest-only period on the loan; and reduction of the interest rate with fixed step annual rate adjustments, subject to an interest-rate cap.

Affordability Equation

Foreclosure Avoidance Budget: The difference between the likelihood and severity of the investor’s projected loss in a foreclosure sale and the likelihood and severity of the investor’s projected loss in the event the borrower were to receive a loan modification and later experience a foreclosure sale.
Affordability Criteria: To the extent permitted by the Foreclosure Avoidance Budget, borrowers will be offered a loan modification that produces a first-year payment of principal (if applicable), interest, taxes and insurance equal to 34% of the borrower’s income or as close to 34% of the borrower’s income as the Foreclosure Avoidance Budget permits without exceeding 42% of the borrower’s income. For those borrowers who do not escrow taxes and insurance, we will offer a loan modification that produces a first-year payment of principal (if applicable) and interest equal to 25% of the borrower’s income, or as close to 25% of the borrower’s income as the Foreclosure Avoidance Budget permits without exceeding 34% of the borrower’s income.
Failure to Qualify under the Affordability Criteria: Borrowers in participating states who do not qualify under the Affordability Equation may be eligible for a payment under the foreclosure relief program and/or relocation assistance.

Foreclosure Relief and Relocation Assistance Programs

These additional programs are available to Countrywide borrowers in states participating in this agreement. Currently, they are available in the following states: Alaska, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Iowa, Kansas, Kentucky, Maine, Maryland, Michigan, Mississippi, Montana, New Mexico, Nevada, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin and Wyoming.

Foreclosure Relief Program

Countrywide will allocate up to 0 million nationally under a foreclosure relief program to provide relief for borrowers whose loans were originated directly by Countrywide (or through brokers) between 2004 and 2007. Funds will be allocated to each participating state based on the number of eligible borrowers in the state.

Relocation Assistance Program

Countrywide borrowers who experience a foreclosure sale of their property and who agree to voluntarily and appropriately leave the premises will receive a cash payment to ease their transition to a new place of residence. Countrywide anticipates paying greater than million to more than 35,000 borrowers in participating states under this program.

Making Home Affordable Guidelines & Program Details In Depth

The Home Affordable Modification program will help up to 3 to 4 million at-risk homeowners avoid foreclosure by reducing monthly mortgage payments. Working with the banking and credit union regulators, the FHA, the VA, the USDA and the Federal Housing Finance Agency, the Treasury Department today announced program guidelines that are expected to become standard industry practice in pursuing affordable and sustainable mortgage modifications. This program will work in tandem with an expanded and improved Hope for Homeowners program.

With the information now available, servicers can begin immediately to modify eligible mortgages under the Modification program so that at-risk borrowers can better afford their payments. The detailed guidelines (separate document) provide information on the following:

Eligibility and Verification:

Loans originated on or before January 1, 2009.
First-lien loans on owner-occupied properties with unpaid principal balance up to 9,750. Higher limits allowed for owner-occupied properties with 2-4 units.
All borrowers must fully document income, including signed IRS 4506-T, two most recent pay stubs, and most recent tax return, and must sign an affidavit of financial hardship.
Property owner occupancy status will be verified through borrower credit report and other documentation; no investor-owned, vacant, or condemned properties.
Incentives to lenders and servicers to modify at risk borrowers who have not yet missed payments when the servicer determines that the borrower is at imminent risk of default.
Modifications can start from now until December 31, 2012; loans can be modified only once under the program.

Loan Modification Terms and Procedures:

Participating servicers are required to service all eligible loans under the rules of the program unless explicitly prohibited by contract; servicers are required to use reasonable efforts to obtain waivers of limits on participation
Participating loan servicers will be required to use a net present value (NPV) test on each loan that is at risk of imminent default or at least 60 days delinquent. The NPV test will compare the net present value of cash flows with modification and without modification. If the test is positive – meaning that the net present value of expected cash flow is greater in the modification scenario – the servicer must modify absent fraud or a contract prohibition.
Parameters of the NPV test are spelled out in the guidelines, including acceptable discount rates, property valuation methodologies, home price appreciation assumptions, foreclosure costs and timelines, and borrower cure and redefault rate assumptions.
Servicers will follow a specified sequence of steps in order to reduce the monthly payment to no more than 31% of gross monthly income (DTI).
The modification sequence requires first reducing the interest rate (subject to a rate floor of 2%), then if necessary extending the term or amortization of the loan up to a maximum of 40 years, and then if necessary forbearing principal. Principal forgiveness or a Hope for Homeowners refinancing are acceptable alternatives.
The monthly payment includes principal, interest, taxes, insurance, flood insurance, homeowner’s association and/or condominium fees. Monthly income includes wages, salary, overtime, fees, commissions, tips, social security, pensions, and all other income.
Servicers must enter into the program agreements with Treasury’s financial agent on or before December 31, 2009.

Payments to Servicers, Lenders, and Responsible Borrowers

The program will share with the lender/investor the cost of reductions in monthly payments from 38% DTI to 31% DTI.
Servicers that modify loans according to the guidelines will receive an up-front fee of ,000 for each modification, plus “pay for success” fees on still-performing loans of ,000 per year.
Homeowners who make their payments on time are eligible for up to ,000 of principal reduction payments each year for up to five years.The program will provide one-time bonus incentive payments of ,500 to lender/investors and 0 to servicers for modifications made while a borrower is still current on mortgage payments.
The program will include incentives for extinguishing second liens on loans modified under this program.
No payments will be made under the program to the lender/investor, servicer, or borrower unless and until the servicer has first entered into the program agreements with Treasury’s financial agent.
Similar incentives will be paid for Hope for Homeowner refinances.

Required Documentation

Your Loan Number and Property Address
Bank Statements and Tax Returns for the past two (2) months
Recent income documents (e.g., pay stubs)
List of current expenses.
Brief explanation of your current financial circumstances warranting assistance

A Must See

Here’s a video of Congresswoman Maxine Waters attempting to achieve a loan modification for her constituents. Take particular note of her 2 hour ordeal with Bank of America (Countrywide) and her final call directly to Countrywide:



Again, it is strongly urged that if your lender is Countrywide that you retain experienced representation.

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Are you concerned about your ability to pay your bills?
Changing or losing a job, serious illness or a divorce can have a serious impact on your finances.

Many homeowners are having trouble with their mortgage payments and you may have the option to modify or change certain parts of your mortgage loan agreement. Sometimes altering the interest rate, the term of the mortgage or even the mortgage product may be able to help you manage your monthly payments. After careful consideration and review of all available options, some homeowners may decide not to stay in their home. There are options and solutions for these situations as well.

Modification Zoom can help you lower your interest rate and payments through an aggressive Citi Mortgage Loan Modification. Apply for help using the form on the right!


On a side note, Citi Mortgage has shown considerable progress in helping homeowners get loan modifications, and Modification Zoom has extensive experience in helping homeowners just like you get great results. If you are having trouble with getting a loan modification from Citi, do not despair; we are here to help you. For more information regarding Modification Zoom, loan modifications, the Making Home Affordable program, or any other topics of interest please take a look around our website.

We want your feedback! Let us know how your Citi Mortgage Loan Modification is going by submitting a comment below and sharing your story, or if you have a question regarding Citi Mortgage or Citi Financial. We are here to help!

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If your servicer / mortgage lender is MGC, and you are in need of a loan modification, you almost assuredly need a darn good attorney group to represent you.

Here is a message from complaintsboard.com where one homeowner is taking a stand against MGC:

I had a mortgage through Homecomings financial, which offered me a loan modification, then sold my mortgage to MGC, which did not send statements, or give me any information about my loan. It was finally sent to an attorney threatening me with accelerating my loan, and foreclosing. I talked to the loss mitigation department, who claimed he would look into this matter, and get to the bottom of it, and I told him that if we could not reach an agreement, I would pursue legal action. He never called me back about the matter, but two weeks later, I received notice that they (MGC) sold the servicing of my loan to GMAC. I thought that now I have a legitimate company handling my mortgage, but I was wrong. I have sent it my payment as per the modification, but my check was recently sent back to me, saying not to redeposit, and only full payment would be accepted, and now they would pursue foreclosing of my property. I have counsel advising me on actions to take, and now I need all of you. Those of you that refuse to be “strong armed, and threatened”, need to contact me, for we need to band together, and file a class action law suit in federal court. They picked the wrong person to mess with, now its time to take a stand.

Here is another horrific story from another homeowner:

I am in as well. I have a grueling story as well. Homecomings Financial originally had the servicing of my loan for many years, which was sent to MGC for a short period of time late in 2008 and subsequently overtaken by GMAC as the servicer in October 2008. Have been dealing with GMAC since. I initially bought this property in 2002. Loan was for 243 K. I have been paying exorbitant interest rates for seven years, and was hanging in when rates were climbing as high as 14.2%. At one period of time in 2006, I had many medical bills coming in fast and furious due to a head on collision that I had experienced in 2004, which nearly resulted in my death, however through divine grace, I lived. I support four children alone and have a deadbeat ex that is well over 40 K in arrears in medical support. Homecomings had allowed me to complete a workout package during this time to get caught up (in 2006 when the medical bills for the portions not covered by insurance), in which I paid 3500.00 per month over the course of 13 months to Homecomings. It was honored to a tee.

Then with the recent economic dive early this year, I no longer could afford to pay 12% interest that I am currently at. I talked with GMAC at length. I was again falling into arrears and wished to work with someone. GMAC indicated that they could not stretch any sort of arrearage over 13 months despite what had been honored with Homecomings or that Homecomings had done this, and that they could only stretch the arrears over a 6 month period and keep my payment current, bringing my normal 2, 468.00 payment to 80.00 per month. Again, I am a single mother supporting four children and have done so for the past many years. I told them this was not possible to do as I had received a 26.3 % pay cut with my employer. (I did pay this 80.00 once late in Jan of this year after filing my taxes early, but could not after this.) GMAC was heartless and sent me into foreclosure, which was literally stopped today by an attorney obtaining an order from a judge for an injunction. The letter of acceleration I received before receiving the intent to foreclose indicates the outstanding amount to be 1 K .This loan indicates that the interest rate cannot go below 9.5% and cannot exceed 16.5% and is interest only until the year 2030 . Was told by a GMAC rep last night that the investor is MGC. What a mess. I have paid literally thousands of dollars over the course of seven years and they opt not to work with me under the making home affordable plan? And WISH to foreclose? My escrow is short as well and the numerics of all of it make no sense at all. Something is amiss. Sebring Capital is the bank who initially provided the loan. They were located in Carrollton TX, but they closed in 2006. Must have seen the writing on the wall!  Nothing but issues with MGC and GMAC.

And another:

Homecomings has helped ruin my credit when 2 months after closing, STATE FARM contacts THEM requesting payment for our homeowners insurance, which; as AZ Law dictates, 14 months had been paid for in escrow at closing. I have all documentaion from the title company, including a copy of State Farm’s cancelled check…As a result, our 2 month’s worth of escrow account was drained and showed a negative balance, which has since been reported to the credit bureaus regularly, our monthy payment on a 30 year fixed increase 0 and we have been given the ‘…not looking goood…, ‘ regarding our recent loan modification request. Bottom line, aside from AIG, maybe there were other crooked insurance companies benefiting from the mortgage cluster*&%$ and although we still have our jobs (blessing) and weren’t a subprime loan…Our home has an auction date of 6/19/2008. So, for the record and to anyone interested…I’m all in if there are ANY class actions filed against GMAC/Homecomings/US Bank (like we don’t know) and/or State Farm. Good luck to all.

The list goes on; I’m interested to hear your stories regarding MGC; comment below.  If your in the unfortunate circumstance of having your mortgage held by MGC, get attorney help.  Modification Zoom can put you in touch with a great Loss Mitigation Attorney that will force MGC to modify your loan and help you out.  Complete the form at the top right, and we’ll help you get it done.

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Wells Fargo Loan Modification Process
Wells Fargo has accepted bailout funds and participates in Making Home Affordable; subsequently they are required to review your application and determine if you are eligible for a HAMP Loan Modification. During this review and subsequent negotiations, the foreclosure process is halted.

Additionally, Wells Fargo must waive all fees when placing a homeowner into a HAMP Loan Modification, so don’t be suckered into a Forbearance Agreement with Wells Fargo if you do in fact qualify for a HAMP Modification. If you’re confused as to whether or not you qualify, complete the contact form to the right, or give me a call directly at (202) 257-0909 and I will personally help you.

When you contact Wells Fargo regarding qualifying for a HAMP Loan Modification, the first thing that they will ask you for is a financial prospectus, or a detailed written statement of your income, expenses, and assets. The information that you provide on this prospectus will help to determine whether or not you qualify for a Wells Fargo Loan Modification, so it is very important that you make sure the information accurately depicts your financial situation, hardship, and meets the guidelines of the HAMP Program.

When you have submitted all of the supporting documentation and verbally confirmed the figures presented on your prospectus, if you qualify, Wells Fargo will send you a Trial Modification Agreement in the mail.

Now, the original idea with the trial modification agreements was simply that you qualify for a HAMP modification, and now you merely need to make 3 payments on time, and you will roll into a permanent modification.

Sadly, this is not the case; Wells Fargo loves to kick homeowners out of Trial Modifications. They have the right to request all supporting documents to be re-submitted during the trial modification period; if these documents are not received “on time”, they may kick you out. Additionally, Wells Fargo has the right to perform a NPV Test, or, Net Positive Value Test, to determine whether financially they would be better off foreclosing on you, rather than granting a loan modification.

Getting a Trial Modification is tough enough, but getting a permanent HAMP modification from Wells Fargo is even more difficult. Its strongly suggested that you consult with someone here, or another reputable Loss Mitigation Group with reputable Attorneys on staff that specialize in Loss Mitigation.

I’m interested to hear about your experiences with Wells Fargo, feel free to comment below. If you need immediate assistance, complete the form to the right.

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