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The Mortgage Modification Mess - Daniel Indiviglio - Business - The ...
Feb 2, 2010 . Chase offers other modification programs of its own. . He indicated that unemployment benefits can count as income in the underwriting .
http://www.theatlantic.com/business/archive/2010/02/the-mortgage-modification-mess/35200/

GMAC Mortgage Modification - The Beginning
Dec 30, 2010 . The loan was through Worldwide Mortgage and later sold to. . I still don't think they will count the unemployment, so you could qualify. .31 x .
http://www.loansafe.org/forum/loan-modification/36975-gmac-mortgage-modification-beginning.html

HAMP Champ: What Ever Happened to That Obama Mortgage ...
Feb 8, 2010 . "Under this plan, lenders who participate will be required to reduce those payments to no more . HAMP Champ: What Ever Happened to That Obama Mortgage Modification Plan? . I get unemployment . . So What my wife get paid does not count. so it does not show I make enough for HAMP but over all .
http://abcnews.go.com/blogs/politics/2010/02/hamp-champ-what-ever-happened-to-that-obama-mortgage-modification-plan/

  • Step-by-step process to apply for a loan modification with your ...
    Unemployment benefits alone will not qualify you for a LM program. A positive budget is one with . your mortgage payment to secure a new place to live for you and your family. The pre-qualification . count as income. Ask about other options .
    http://www.solid-ground.org/Programs/Housing/Mortgages/Documents/LoanModificationApplicationProcess.pdf

  • Obama mortgage modification plan. March 26, 2010 FAQ's - Lynn ...
    Mar 26, 2010 . Q: I am unemployed and having difficulty paying my mortgage. . important to note that unemployment insurance will not be counted as income .
    http://blogs.suntimes.com/sweet/2010/03/obama_mortgage_modification_pl.html

  • Home Affordable Modification Program (HAMP)
    If you're not unemployed, but you're still struggling to make your mortgage payments, you may be eligible for the Home Affordable Modification Program ( HAMP).
    http://www.makinghomeaffordable.gov/programs/lower-payments/Pages/hamp.aspx

  • Do Mortgage Modifications Increase Unemployment? - Real Time ...
    Aug 19, 2011 . By reducing mortgage payments to a lower percentage of income, such modification programs actually raise unemployment. Unemployed .
    http://blogs.wsj.com/economics/2011/08/19/do-mortgage-modifications-increase-unemployment/

  • Can people collecting unemployment insurance get mortgage ...
    Apr 16, 2009 . Can people collecting unemployment insurance get mortgage . Now you can do a mod if you can collect unemployement for at least 9 . After further review, we found out that they are counting my unemployment as income.
    http://www.zillow.com/advice-thread/Can-people-collecting-unemployment-insurance-get-mortgage-modification/224320/

What to Do About a Mortgage in Case of Unemployment? | Small ...
Families facing unemployment struggle to stay current on mortgage . there are programs that can provide relief, such as loan modification, forbearance .
http://smallbusiness.chron.com/mortgage-case-unemployment-17057.html

  • Qualifying | Mortgage Modification - Bankruptcy - Creative Financing
    Mortgage Modification Bankruptcy Creative Financing . Unemployment income can be counted as income provided your account has significant remaining .
    http://mortgage-modification-attorney.com/qualifying/

  • Foreclosure program falls short for jobless - Philadelphia ...
    Apr 11, 2010 . Lenders and mortgage servicers will be required to give at least three months of lower . But, at that point, unemployment benefits will no longer count as income for determining whether they can qualify for a modification.
    http://www.philaup.org/housing/2010_0413Charlotte.html

  • How To Get a Loan Modification using Traditional Guidelines
    If the remaining number does not cover the 1st Mortgage amount, then Ocwen . Do not include unemployment income (see note at top of page) as this is considered . (Please note: Servicers only count 75% of rental income as income .) 7.
    http://www.operationrest.org/ConventionalandVA

  • How to Negotiate a Mortgage Loan Modification With Your Lender ...
    Eligible homeowners can apply for a mortgage loan modification through their lenders. . If you receive government benefits, unemployment insurance benefits or . you counted the benefits as income to qualify for your original loan or choose .
    http://www.ehow.com/how_2198656_negotiate-mortgage-loan-modification-lender.html

  • How Long Does A Home Modification Loan Last For Unemployed ...
    Oct 5, 2010 . Loan modification programs help them get current on their monthly mortgage payments and avoid... . How Long Does A Home Modification Loan Last For Unemployed People? . They may tack your missed mortgage payments onto the end of the loan, or they may just forgive them . Word count: 516.
    http://ezinearticles.com/?How-Long-Does-A-Home-Modification-Loan-Last-For-Unemployed-People?&id=5156101

  • Bank Of America and Countrywide Mortgage ... - Ask a Loan Mod Guru
    The Loan Mod Guru will go over all of your documentation and your . you are on unemployment and they do not count unemployment for HAMP anymore.
    http://www.askaloanmodguru.com/hamp-resources/bank-of-america-and-countrywide-mortgage-loan-modifications

  • 5 tips to surviving the loan modification process
    Nov 10, 2010 . Getting a mortgage modification is no picnic, but knowing what to expect of . For example, do you know which of your assets can be counted towards . act now to get help through the Home Affordable Unemployment Plan.
    http://library.hsh.com/articles/loan-modifications-help/5-tips-to-surviving-the-loan-modification-process.html

  • Mortgage Loan Modification is a do it yourself loan modification in ...
    You will qualify for either a mortgage modification or a short sale, period. The REST . You will not fail any requirements. other than unemployment. Simple . Your mortgage servicer is counting on you to get discouraged and give up. In the US .
    http://mortgage-monster.com/do-it-yourself-mortgage-modification

Mortgage Loan Modification Problems. Delayed then Denied, Often ...
Aug 18, 2010 . Loan Mod Profiles: Delayed then Denied, Often Mistakenly by Karen . Chase would not count the self-employment income that Moe earns from . to me why they did not consider the fact that I had been unemployed (the .
http://getoutofdebt.org/21320/mortgage-loan-modification-problems-delayed-then-denied-often-mistakenly

  • Rant - Wells Fargo: One Lie After Another
    Right from the start of my unemployment I was trying to get one of those "loan . to Wells Fargo "unemployment and unemployment compensation do not count". . So I'm now current on my mortgage, but I did not get the loan modification that .
    http://www.rantrave.com/Rant/Wells-Fargo-One-Lie-After-Another.aspx

  • Modification Evaluator
    Jan 6, 2012 . If You Are Unemployed . The tool will calculate a mortgage payment guideline amount. If your . Modification Evaluator for Home Affordable Mortgage Modification . You may have taxes and interest in escrow added to your monthly payment already, so be careful to count taxes and escrow only once.
    http://www.makinghomeaffordable.gov/learn-more/mod-evaluator/Pages/default.aspx

  • Government Making Home Affordable Refinance And Loan ...
    The Home Affordable Modification Program commits $75 billion to keep up to 3 to . Your first mortgage will not exceed 105% of the current market value of the property. . almost $5000 in closing costs, not counting insurance and taxes for escrow . We are both unemployed currently and are trying to just keep our home.
    http://www.biblemoneymatters.com/government-making-home-affordable-refinance-and-loan-modification-program-do-i-qualify/

  • Why Did The March Unemployment Rate Go Down When Only ...
    Apr 6, 2012 . Bank of America's "Settlement" Will Cause More People to Lose Their Homes . New Mortgage Modification does not have mandatory principle write . on a host of definitions on who is counted as unemployed and who is not.
    http://www.economicpopulist.org/content/why-did-march-unemployment-rate-go-down-when-only-120000-payroll-jobs-were-added

  • HAMP: Obama Administration Makes Anti-Foreclosure Program ...
    Jul 7, 2011 . Unemployed homeowners who've fallen slightly behind or are at risk of falling behind on . WASHINGTON -- Getting a mortgage modification from the Obama . KTUL.com - Tulsa, Oklahoma - Coverage You Can Count On .
    http://www.huffingtonpost.com/2011/07/07/hamp-obama-administration_n_892082.html

  • Making Home Affordable Q & A
    Do we need to raid those first before we can get a modification? . But I would imagine that you are not having trouble paying your mortgage since you and your husband seem to be really smart with your finances. . What do they count as debt? . I'm trying desperately to keep my home after 6 months of unemployment.
    http://www.mydollarplan.com/making-home-affordable-q-a/

  • What Does The Government Have For ... - Loan Modification
    What Does The Government Have For Homeowners Facing Unemployment . If your mortgage is backed by Fannie Mae or Freddie Mac, you're going to need . unemployment benefits actively and those benefits will be counted in your aid.
    http://www.zloanmodification.com/what-does-the-government-have-for-homeowners-facing-unemployment

Help for Unemployed Borrowers: Lessons from the Pennsylvania ...
providing incentives for the modification of delinquent mortgages. Prominent among . the program, income loss can result not only from unemployment but also from . circumstances is counted against the borrower's credit standing. HEMAP .
http://www.newyorkfed.org/research/current_issues/ci17-2.pdf


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FAQs | ModHelp
Do you count the income of people who are living in the home but are not on the . A loan modification is a process where the terms of a mortgage are modified . the Loan Modification option when the mortgagor is unemployed, the spouse is .
http://www.modhelponline.com/faqs/

The Provocateur: Why Obama's Loan Modification Plan is Failing
Jun 9, 2009 . For the most part, trying to do a loan modification on your own is nearly impossible. . In fact, it's almost exclusive former mortgage brokers that see an opportunity to make money . yes unemployment does count as income.
http://theeprovocateur.blogspot.com/2009/06/why-obamas-loan-modification-plan-is.html

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