Todd talks about how 14.7% of all loan modifications are working out. If you make too much money you may not be approved for a loan modification and be turned down. If they can see that a little bit of a lower interest rate still doesn’t fix your problem, you will likely be turned down. You are unlikely to find a loan modification that will lower your principle balance so that is why a short sale is needed.
If you decide a short sale is best for you go to www.wecallyourbank.com

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