I believe the borrowed funds amendment you want accomplish try a special you to definitely

Inside regard to the statement ” She said the person handling the financing will not capture calls & I have to hold back until they get in touch with myself

Trust me I am aware that is foolish on my region, however, times try hard economically & once you started to a point where you are able to hardly pay the bare necessities exactly what more are you presently to accomplish? I know I’m zero specialist & this will be strictly an ignorant achievement – however, We figured the worse that will happen ‘s the second eventually puts good lien with the family & while i sell they obtain 25K.

Not that the one that you have included to your personal bankruptcy. s is great? Is your ex lover-spouse in addition to into the home loan?

By the way should this be a unique mortgage then the next loan (that you definitely have not reaffirmed) cannot carry out problem

mortgage originated from 1990 which have parkway financial. they marketed they so you can washinton mutual inside 1996 or so. washington common sold to wells fargo into the december of just last year. second loan are house guarantee loan on this household.

ex is on both fund & recorded personal bankruptcy with me, however, the guy never ever showed up inside the courtroom to own finally hearings into loans Gleneagle the either case, therefore, the personal bankruptcy had during my identity just & separation had given that a standard. they are an alcohol exactly who fell apart & cannot price the fresh divorce or the case of bankruptcy.

whenever i telephone call wells fargo i have to tune in to the fresh new bankruptcy proceeding disclaimer. i guess it’s because the fresh new a bankruptcy proceeding is on my personal credit statement until 2009, but it is likely that which financing try never ever reaffirmed. we seriously cannot think about. striking thus very many economic setbacks usually i have already been on one payment bundle after another type of. they simply kept performing you to definitely installment bundle immediately after a new. plus, washington common modified it financing within the 2003 once i lost my personal jobs & is out of work getting 9 months. my ex finalized the individuals papers & it experienced without concerns questioned.

i entitled it good.yards. & wells fargo explained the fresh amendment are acknowledged, however, there was a problem – she didn’t come with idea precisely what the state it. she said anyone handling the financing doesn’t just take calls & i must hold back until they contact me personally. she stated a number of slight issues that cause delays, for example fees went up and so the escrow percentage needs to alter.

i don’t understand this processes or terminoligy. she said it actually was acknowledged, however, frequently it isn’t technically approved to date. seem like i will still be refuted. have always been i wrong? if it’s acknowledged perform they just workout the brand new snags one to show up they method in the reveiw techniques?

i am very worried today on the losing my domestic. we have 4 students & living the following is much less expensive than simply taking a condo these types of weeks. as well as we have fifty-80k collateral which i would hate to help you sagging.

Do not care a great deal. If your Wells Fargo told you that modification is acknowledged, then you certainly is always to waiting and view what are the results. Now is your residence taxes was paid and you can eliminated. In my opinion it the problem that they’re it comes. If you don’t up coming shell out they As soon as possible. Tax lien if your first lien and should be provided with maximum top priority.

You could Ask To dicuss On the Management. Extremely common you to specific negotiators dont bring inbound calls away from you. However, you now must be requesting a supervisor. The fresh new supervisor/movie director get the fresh answers and you can details for you, regardless if he has got to locate all of them about underwriting department.