What is the best, easiest and most successful way to get my mortgage loan modified, i.e. lower interest rate?
I was out on disability for about 2 months, I contacted my mortgage co (citimortgage) and they suspended my payments for 3months…I’m now back to work and working on a loan modification since the rates are so low and buyers are being offered this option. However, it’s been about 4 months since my payments were suspended and still no loan mod. On the positive side I’m almost totally debt free, but I would like to start making my payments again, at a lower rate of course.
Categories: Mortgage Tags: 4 months, citimortgage, debt-free, disability, interest-rate, loan modification, loan rates, mortgage co, mortgage interest, mortgage-loan
How do I get my ex-boyfriend off our mortgage note without refinancing?
My ex-boyfriend and I bought a house together in May of 2007. Long story short, in July 07 he quit his job to build his own business, in Dec 07 I was diagnosed with cancer, and my salary, credit, and disability paid most of our bills, including mortgage. We went on forebearance in October 08. We broke up in Feb of this year. He is in the process of moving out, and I want to keep the house. I qualify for Home Affordability Modification on my own, but would not qualify for a regular re-finance. I know a quit-claim just removes him from the title, but not the mortgage note. Even though I have been paying the mortgage on my own for many months, he is unsure about staying on the note in case I die or something. What other course do we have to remove him from the loan? It is a Freddie Mac loan serviced through Citimortgage. Is assumption or novation a possibility (I have only heard these terms, not sure about the details)?
Categories: Mortgage Tags: assumption, citimortgage, disability, forebearance, freddie mac, home affordability, mortgage refinancing, mortgage-note, own-business, Salary
Can I request this accommodation?
My annual review will happen soon. At the beginning of the year I was told I don't socialize enough, and do not communicate well with administrators
Categories: Mortgage Tags: accommodation, annual-review, disability, employer, health-issues, legally-obtainable, medications, not-communicate, the-beginning, the-medications, will-happen, Year
Employer threatening collections over health insurance premiums
I have been out of a disability leave since March 1, 2010.
Categories: Mortgage Tags: determination, disability, disability-pay, employer, even-possible, fact-disabled, Health, health-insurance, letter-stating, provider-paid, the-following
A father in desperate need of some help.
:confused:I'm currently going through a custody case my x said she was taking the kids to get pictures taken with santa nad never came back. she moved 4 1/2 hours away that was a year ago on dec.
Categories: Mortgage Tags: children, disability, family, Kids, lawyer, Phone, police, rent, said-the-papers, taking-the-kids, TIME
Self Directed Disability Trust – Commercial Property Involved
Self Directed Disability Trust – Commercial Property Involved I have a 7 family apartment house where tenants make their rent checks out to my name.
Categories: Mortgage Tags: Apartment, apartment-house, apartments, been-supporting, catastrophes, disability, exact name, family apartment, gross-income, house, make-the-rent, Money, Mortgage, move-the-house, perfect situation, personal residence, rent, smith-trust, ssi assistance, trust, trustee
NYS Workers Comp & Alimony
I’m 63 receiving SS Disability & NYS Workers Comp; together they equal about $2,400 per month (about $29,400 per year). My alimony is $1,000 per month based on earning $55,000 per year (laid-off when company downsized).
Categories: Mortgage Tags: 400-per, alimony, support, disability, Financial, month-based, not-taxable, payment-since, workers, workers-comp
Categories: Mortgage Tags: application fees, Common, common pleas court, common-pleas, conviction, convictions, disability, drug paraphernalia, drug-conviction, dui, general - criminal law, misdemeanor conviction, ohio ccw law, relief, sheriff, statute-because, the-application, weapons
Heart Attack, FMLA and losing job
My mother had a heart attack 3 months ago... very severe
Categories: Mortgage Tags: 5 months, after-the-heart, bed rest, disability, fixed-the-2nd, fixed-the-first, fmla, gallbladder, gallbladder disease, heart-attack, hiring, firing, hospital, letter stating that, letter-stating, pneumonia, stress test, the-gallbladder
ex wants rewrite for clarifying order
In our divorce agreement in 2003 I gave my Ex 30% of my retirement pay with "no consideration for disability until I am classified as 80% disabled" now I am being told (government agency)that they need a clarifying order with a fixed amount or a percentage for my retirement to be paid to her (I thought it already was).
Categories: Mortgage Tags: disability, divorce, garnishment, money-because, retirement, retirement-pay, the-garnishment, will-it-cost