Cash is King – Upside Down Mortgage Solutions

January 10, 2009

Loan Modification: Fannie and Freddie Streamline Modification Program

Listen in on a Interview I did on Loan Modifications and the Fannie Mae and Freddie Mac Streamline Loan Modification Program

“This article has been out for several months now and this are constantly changing. Find More information at my new home page Refinance an Upside Down Mortgage”

The Federal Housing Finance Agency, the regulator of Fannie Mae and Freddie Mac, recently announced a new Streamlined Modification Program that is designed to help struggling borrowers avoid foreclosure by having Fannie Mae work with mortgage servicers to do a loan modification into more affordable terms.

You may qualify for a loan modification if all of the following are true:

  • Your mortgage loan is owned by Fannie Mae or Freddie Mac.
  • Your mortgage loan is 90 or more days past due.
  • You occupy the property as your primary residence and must be a one-unit property.
  • You are not in bankruptcy.
  • Loan originated prior to January 1, 2008
  • Your Debt-to-Income Ratio needs to be at 38% using current paystub (another obstacle). See Mortgage Debt-to-income Ratio Information
  • You will need to write a hardship letter so go to Sample Hardship Letter here.

To achieve a more affordable mortgage payment through a loan modification, your loan servicer may:

  • extend the term of your loan to as much as 40 years
  • reduce your mortgage interest rate for a period of time
  • defer payment of part of your principal, or
  • or offer a combination of all three.
  • Principal write-downs and principal forgiveness are prohibited. (This is HUGE)

Modification Options

Through the SMP, servicers may change the terms of a loan to reduce a borrower’s first lien monthly mortgage payment, including taxes, insurance and homeowners association payments, to an amount equal to 38 percent of gross monthly income. The changes in terms may include one or more of the following:

  • Adding the accrued interest, escrow advances and costs to the principal balance of the loan, if allowed by state law;
  • Extending the length of the mortgage loan as appropriate;
  • Reducing the mortgage loan interest rate in increments of 0.125 percent to an interest rate that is not less than 3 percent. If the new rate is set below the market interest rate, after five years it will step up in annual increments to either the original loan interest rate or the market interest rate at the time of the modification, whichever is lower;
  • Forbearing on a portion of the principal, which will require the borrower to make a balloon payment when the loan matures, is paid off, or is refinanced.

What You Can Do Today
If you are about to fall behind, or have fallen behind on your mortgage payments, or if your loan has been referred to an attorney, the most important step you can take is to get help early from your mortgage lender, servicer, or housing counselor.

Here are important steps to take immediately:

  • Call your lender or loan servicer to talk about your situation. You can find the contact information on your monthly mortgage statement or coupon book.
  • Gather the information you will need. You will be asked to provide:
    • letters or communications from your lender,
    • foreclosure notices,
    • recent mortgage statements showing your loan number,
    • homeowner’s insurance policy,
    • last two pay stubs and most recent tax return for all borrowers named on the mortgage,
    • proof of other income, such as child support, alimony, Social Security, or pension,
    • bank account statements, and
    • list of major monthly bills, including child care, utilities, credit cards, and cell phone.
  • Understand your options. Depending on your situation, you may have several options to discuss with your servicer or counselor. They could include:
    • Repayment Plan — You may be able to catch up on missed payments by creating a schedule for repaying the past-due amount.
    • Advance — If your mortgage is owned by Fannie Mae (your servicer has this information), and your missed payments are due to a temporary financial hardship, you may be eligible for an unsecured personal loan, such as HomeSaver Advance™, that is available from your servicer to help you get current with your payments.
    • Modification — In some cases, mortgage loan terms can be changed on a temporary or permanent basis to make the payment more affordable.
  • Avoid foreclosure rescue scams. Don’t become a victim. Foreclosure scams seek to take advantage of your situation.
  • Your financial situation may have changed significantly since you qualified for your home due to unemployment, divorce, job change/relocation, or medical issues. You may want or need to sell your home as a result of this change. There are options for borrowers who are worried about possible foreclosure:
    • Pre-foreclosure or Short-Sale — Servicers work with borrowers to sell their home and use the proceeds to pay off the loan even if the proceeds are not enough to settle the entire balance.
    • Deed-in-lieu — Borrowers sign over title to the property to Fannie Mae without the expense of foreclosure.

You have more options if you act quickly. Now is the time to ask for help!

Thanks to Mr. Mortgage here are some potential consequences for accepting the terms of a Loan Modification!

Home owners!  Accepting this ’solution’ means you:

  • acknowledge the full debt regardless of the value of the home;
  • waive all rights to fraudulent or predatory lending claims in the future;
  • turn your loan into a full recourse loan that could follow you for life even if you choose foreclosure down the road;
  • remain underwater, full-leveraged, renter for the rest of your life (in most cases);
  • will save no money at 38% housing debt-to-income ratio plus all other debts; (this is just an opinion and not factual.
  • may not discharge any of this mortgage debt through any bankruptcy even after foreclosure;

If widely accepted by home owners, this will ruin the American consumer and make housing a dead asset class for decades. If you are in a serious negative equity position when signing these forms, as most are, remember that you will:

  • never be able to sell your home
  • never be able to buy a new home
  • never be able to rent your home due to owner occupant provisions
  • be responsible for the full loan amount even if the value of your home keeps dropping for the next 10-years.

I know this is a whole lot of information but I wanted to be sure I made you aware of of everything in one shot.
If you find you don’t qualify or are unsure of what to do next please contact me at brent[at]brentlane.net.

Fannie mae has recently added a mortgage program that will help homeowners with an upside down mortgage refinance 2009 giving them some upside down mortgage relief.  I highly recommend looking into no closing cost refinance as a solution to your upside down mortgage

Learn more about Refinancing an Upside Down Mortgage- Get Your Free Report Here

Listen in on a Interview I did

on Loan Modifications and the Fannie Mae and Freddie Mac Streamline Loan Modification Program

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73 Comments »

  1. Indeed all information is worthy and one needs to take care of every aspect here. But the real thing about such situation is that one is often unprepared. So that’s where the problem arises. Else in general cases loan modification would certainly be a good choice to avoid foreclosure.

    Comment by Loan Modification Department — January 10, 2009 @ 8:25 pm | Reply

  2. Loan Modification: Fannie and Freddie Streamline Modification Program « Cash is King…

    The Federal Housing Finance Agency, the regulator of Fannie Mae and Freddie Mac, recently announced a new Streamlined Modification Program that is designed to help struggling borrowers avoid foreclosure by having Fannie Mae work with mortgage servicers…

    Trackback by erollover.com — January 14, 2009 @ 11:43 pm | Reply

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    Comment by Dia Smith — February 18, 2009 @ 8:58 am | Reply

  4. what if the loan is not w/freddie or fannie?

    Comment by d.b. reed — February 19, 2009 @ 1:30 pm | Reply

  5. Casi Mod Overview

    Casi Mod 4.0 is made to make your Loan Modification Process Quick and Easy. While most modification software available is very complicated to use and requires you to input information that is unnecessary for the lenders, Casi Mod is direct and to the point. Therefore, if you are searching for valuable software that is simple to use, customizable to fit your standards and can assist you from start to finish, Casi Mod 4.0 is the right choice for you.

    Sales

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    o And More…

    Management/Accounting

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    o Send Invoice

    o Set Tolerance Levels

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    o Receive Pre Qual Requests

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    o And More…

    Processing

    o Easily Build A Proposal For The Lender

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    o Track Amount of Days The Files Have Been Opened

    o Track Stipulations

    o Sort Files By Lenders

    o Option To Have Sales Agents To Have View Only Access (except for notes)

    o Send Pre-Qual To Attorney

    o Send Submission Directly To the Lender With A Mouse Click

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    **Customization Available Please Call For Details**

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    Comment by Loan Modification Software Casi Mod — March 12, 2009 @ 7:11 am | Reply

  6. Ideas come from experience

    For nearly 2 years we have been providing realtors, attorneys, processing centers, mortgage bankers, etc., the most effective loan modification software available. Our clients and experience have given us the growth of knowledge to produce the best loan modification software available.

    Intelligent Software

    Computers have evolved rivaling human intelligence. Yet, software never kept up with these capabilities. We strive to produce software that will take over some of the daily mundane administrative transactions. We developed software that is not only easy to use but also actually performs functions intelligently. Simple things, like why open a calculator to perform payment calculations? Why not have software that automatically provides you with a range of payments you can review? Or based on your keystrokes and mouse-clicks enter the appropriate notes automatically.

    We are intensely focused on ensuring that you provide your customers answers they need and retain their rights to remain a home-owner. Out network of clients allows us to always know about Lender changes, concerns and especially know information about Lenders that are not really interested in offering modifications. Many Lenders are more interested in liquidating their portfolio and will offer nothing more than hazy answers without any understandable explanation for declining to help the home-owner with a modification. Click on our the appropriate lender page to see more information and check back often for updates.

    Software needs a purpose

    The bottom-line is that software is useful and valuable if it improves your daily workflow and it is a waste of money if it doesn’t. Its function is to free up time so you focus your time where it really counts. Our focus is always stretching our software to fulfill that purpose.

    Based on user input, receive information you can use to engage your client. Quickly interact and professionally advise with instant calculations that are valuable.

    Software should reduce overhead

    Let’s face it, if you need to hire additional staff to keep up your workflow even with using software you are using software that is not reducing your overhead. Our daily exercise is to continue to focus on creating software that reduces overhead expenses while you grow.

    Simple to use mortgage loan modification software

    It is always important to have the lowest learning curve when introduced to a new software. You will spend a little time setting up your company information, but after that is completed, interacting with our software is simple.

    Send lender hardship packages and financial worksheets to your clients

    Loan Modification Software Features:

    Send lender hardship packages and financial worksheets to your clients

    Send completed loan modification package to your clients that only require a signature and a date. Our loan modification software provides lender specific documents, financial worksheets and authorizations that you can send to your client by mail, email or facsimile. With a mouse-click you can prepare an entire modification application package. Let the software do the job for you.

    Lead management loan modification software

    Keep track of your loan modification pipeline. You can assign and re-assign case files with a simple mouse clicks. Whether your are sales, processing, attorney or a manager, the software we offer provides you with the details you want to see and know about.

    Perform services within minutes! More importantly, apply due diligence by knowing you can represent the home-owner in successfully obtaining a mortgage loan modification.

    http://WWW.LOANMODIFICATIONSOFTWARES.COM

    714-420-6148

    Comment by LOANMODIFICATIONSOFTWARES — October 1, 2009 @ 3:06 am | Reply

  7. http://www.obama-loanmodification.com/

    Do You Qualify?

    1. Do you live in the home?
    2. Is your current loan amount within the Fannie Mae conforming limits ($625,500 in high cost areas
    and for other areas it is $417,000)
    3. Are your current house payments more than 31% of your gross income?(Loan modification kits can
    help with all financial calculation your lender may want to see)
    4. Are you must be able to prove you have current income?
    5. Do you currently have a job?

    Comment by Reene Bolton — January 18, 2010 @ 7:25 am | Reply

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  11. TheModPost.com is a multi-user software that gives your entire company a 360-degree view of each of your customers, agents and branches. This allows you to maintain knowledge of every customer and lead, track stats of branch and agent submission volume and track your back office employee productivity. You and your reps need solutions that make their jobs easier, not more complicated. TheModPost.com provides fast access to client file data and generates Excel reports based off broken down, detailed reports.

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    Comment by Loan Mod Software — December 16, 2010 @ 6:22 pm | Reply

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