I believe the mortgage modification you want doing are a separate you to definitely

Into the mention of the your declaration ” She said the person dealing with financing will not simply take calls & I want to wait until they get in touch with myself

Trust me I understand this might be dumb on my area, but times is actually hard economically & once you visited a place where you could barely afford the exposed essentials exactly what else have you been doing? I understand I’m zero expert & this can be purely an unaware completion – however, We decided new worse which will happens ‘s the next in the course of time sets a great lien towards family & when i sell it it obtain 25K.

Not too the one that you have got provided to your bankruptcy proceeding. s is right? Will be your ex-husband together with to your home loan?

By-the-way should this be yet another financing https://paydayloancolorado.net/arvada/ then next mortgage (that you haven’t reaffirmed) cannot manage condition

loan originated in 1990 which have parkway financial. it ended up selling they to washinton mutual in the 1996 or more. washington common offered in order to wells fargo from inside the december out-of this past year. second loan are house security financing about home.

ex is on each other money & recorded bankruptcy with me, but the guy never ever turned up for the judge having final hearings on the either situation, therefore, the bankruptcy experience within my term just & divorce or separation went through since a default. he’s an alcoholic who decrease apart & could not offer new splitting up and/or bankruptcy.

whenever i call wells fargo i need to pay attention to brand new personal bankruptcy disclaimer. i suppose it is because the fresh new chapter 7 is on my personal borrowing from the bank report up to 2009, but it is possible that that it loan is never ever reaffirmed. we genuinely can’t think about. striking thus very many financial setbacks over the years i have already been on one cost bundle after a different. they just remaining performing one cost bundle immediately following another type of. also, arizona mutual modified which mortgage inside the 2003 when i destroyed my personal work & was unemployed getting nine months. my personal ex lover closed those people records & it went through with no inquiries requested.

we called which a.yards. & wells fargo explained new amendment is actually accepted, however, there is difficulty – she didn’t come with tip precisely what the situation they. she told you the person dealing with loan does not simply take calls & i want to wait until they get in touch with myself. she stated a few lesser situations that can cause delays, eg taxes went right up so the escrow payment has to alter.

i don’t understand why processes otherwise terminoligy. she told you it absolutely was approved, however, seem to it’s not commercially approved up to now. appear to be i’m able to remain rejected. in the morning i incorrect? when it is recognized do they just work out the brand new snags one appear they means on the reveiw techniques?

i am worried sick today regarding the loosing my house. i’ve cuatro high school students & way of living we have found far much cheaper than simply bringing an apartment such months. and we have fifty-80k equity that i create hate so you’re able to sagging.

Dont care much. In the event the Wells Fargo told you the amendment was acknowledged, then you will be wait to see what happens. Now’s your house fees are paid off and eliminated. I do believe this may be the trouble they are referring. If not following shell out it As soon as possible. Taxation lien should your earliest lien and may be provided with greatest priority.

You could Query To dicuss With the Manager. It’s quite common one to particular negotiators do not grab inbound calls from you. But at this point you should be requesting a great supervisor. New management/manager can get the answers and you may info to you, in the event he’s got discover all of them about underwriting service.