My mortgage loan is going to go up next November. I do not think I can refinance, how can I do a modification?
I just found out that the loan that I refinance two years ago is a “ARM” loan. I do not think that I can refinance, because of the mortgage crisis. I have never been late. Somebody sugested doing a “modification” how can I do that. Do I need a broker or can I just negotiate with the bank.
Loan Modification vs Refinancing
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Comments
Why do you think you can’t refinance? Have you ruined your credit in the past two years?
Can you not afford the house in the first place? If not, sell and move to a place that you can afford.
Call that predator lender and tell them you want to modify the loan, it is your right, not a privilege, you do not need a broker you call and after you modify that predator loan and if you want to, refinance it, short sale, lease purchase it, rent it, give back to the bank if want to.Just like they feel you shouldn’t have taken more than you could afford they knew that when they gave you an arm to get in it. Call1-888-340-8495 their offering new FHA loans to assist victims like you, also do this now go NACA.com. this agency has billions to assist you and all services are free.
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you should call your mortgage company first and try to refinance…that would be the first thing i did…until they tell you no dont think you cant…they are actually trying to stop this business with the foreclosures and may actually work with you…so call them